Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:08/29/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with ******* and i do not have a contract with Eastern Account System, as they did not provide me with a contract and wet signature as i asked them to do. and i demand that this be removed from my credit report.

  Business Response

  Date: 08/29/2022

  Eastern Account System is a third party collection agency that works on the original creditor's behalf.  Eastern does not collect for *******. ******* is not one of our clients

• Initial Complaint

  Date:08/23/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with ******* ***** ************** and do not have a contract with EASTERN ACCOUNT SYSTEM. They do not provide me with the orginial application likeI asked.

  Business Response

  Date: 08/24/2022

  Based
  on the information provided in this complaint an account cannot be located. I
  am more than happy to assist you in getting this cleared up. On occasion, the
  credit bureaus will pick up different information.  I will email you at the email address
  provided in this complaint for additional information so I can get this
  rectified for you right away.  The
  email will be coming from Becky R****** * ***************

  Customer Answer

  Date: 08/29/2022

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:
  
  The account doesn’t have a number attached 
  
  Sincerely,
  
  
  
  ****** ******

  Business Response

  Date: 08/29/2022

  I reached out to you 8/24/2022 at 8:26am requesting additional information.  I sent an email to ****************************  I will resend it now.  The email stated:I do
  believe I was able to locate the account.
  Can you
  please verify the amount reporting on your credit?
  For
  security purposes and to protect your privacy, can you also verify your date of
  birth and date of birth?
  
  Thank
  you

  The email is from Becky_R****************************
  

  Customer Answer

  Date: 08/29/2022

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:
  
  My DOB **********
  
  Sincerely,
  
  
  
  ****** ******

  Business Response

  Date: 08/30/2022

  I did reach out to via email again yesterday.

  Can you
  please verify the amount reporting on your credit?
  For security purposes
  and to protect your privacy, can you also verify the last four of ssn and your previous address?

  You can also respond to one of my emails.

   

  Thank you
  

  Customer Answer

  Date: 08/30/2022

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:
  
  The balance reporting is $257. My last four of my social is ****. My previous address is my current address, *** *** ***** ****** ********* ** *****. My dob **********
  
  Sincerely,
  
  
  
  ****** ******

• Initial Complaint

  Date:08/19/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I mailed a letter on [DATE], to ********, ******* and T*********, here is my tracking:
  
  ********: 92******************04
  *******: 92******************77
  T*********: 92******************42
  
  However the credit bureaus said they completed the investigation with 100% accuracy which by FCRA laws is 100% false.
  
  According to FCRA [15 U.S.C. § 1681a] (e) - Definitions: Rules Of Construction.
  
  (e) The term “investigative consumer report” means a consumer report or portion thereof in which information on a consumer’s character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer’s credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
  
  I'm interested to know who they talked with, how did they do a thorough and complelete investigaion. Furthermore, according to [15 U.S.C. § 1681I] (a)(2)(A) i was NEVER notified that an investigation was even started"

  Business Response

  Date: 08/19/2022

  The debt in question was the
  balance owed on a ******** for service provided 07-20-2019 through 06/07/2021.  The account was placed for collections in September
  of 2021. Several bills are typically mailed by the original creditor prior to
  being placed for collections. Eastern Account
  System did send notices to the address listed in this complaint, at no
  time was this correspondence returned as undeliverable. Eastern Account System did send notices to you
  prior to and after the account had reported to the credit bureau agencies. Several
  attempts were made to reach you by phone as well without a response. Validation
  will be mailed today. Other than disputes made directly to the credit bureaus,
  no other correspondence was received.
  We do have several different payment options, you can pay
  over the phone, on line at our website or mailing in the payment. If you opt to
  pay online the website is www.easternpayments.com 

  Business Response

  Date: 08/19/2022

  The debt in question was the
  balance owed on a ******** for service provided 07-20-2019 through 06/07/2021.  The account was placed for collections in September
  of 2021. Several bills are typically mailed by the original creditor prior to
  being placed for collections. Eastern Account
  System did send notices to the address listed in this complaint, at no
  time was this correspondence returned as undeliverable. Eastern Account System did send notices to you
  prior to and after the account had reported to the credit bureau agencies. Several
  attempts were made to reach you by phone as well without a response. Validation
  will be mailed today. Other than disputes made directly to the credit bureaus,
  no other correspondence was received.
  We do have several different payment options, you can pay
  over the phone, on line at our website or mailing in the payment. If you opt to
  pay online the website is www.easternpayments.com 

  Customer Answer

  Date: 08/22/2022

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:

   

  You have clearly violated my rights as a consumer in various ways even one in which you've identified, furthermore you were notified by the credit bureaus to provide a method of validation and according to Section 609(a)(1)(A) and Section 611(a)(1)(A) which requires a consumer contraction with my signature on it...if you cannot provide proof of a signature the according to FCRA Section 611(5)(A) you are required to promptly delete the information 

   

  Also, a letter sent to the credit bureaus on 6/27/22 clearly states for the company to provide method of verification in which they never responded which violates FCRA [15 U.S.C. § 1681i] (a)(1)(A)(A) In general. Subject to subsection (f), and except as provided
  in subsection (g) if the completeness or accuracy of any item of information contained in a consumer’s file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph (5), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
  
   
   

  [15 U.S. CODE § 1692C] (a)  
  
  (a)Communication with the consumer generally
  Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt—
  
  
  
  [15 U.S. CODE § 1692D](5)
  
  A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:
  (5)Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
  
  
  [15 U.S. CODE § 1692B](2)
  

  (2)not state that such consumer owes any debt;
  
  
  [15 U.S. CODE § 1692B](4)
  

  (4)not communicate by post card;
  
  
  [15 U.S. CODE § 1692B](5)

  (5)not use any language or symbol on any envelope or in the contents of any communication affected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt; 
  
  
  
  
  
  
  Sincerely,
  
  
  
  ******* ******

  Customer Answer

  Date: 08/22/2022

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:

   

  You have clearly violated my rights as a consumer in various ways even one in which you've identified, furthermore you were notified by the credit bureaus to provide a method of validation and according to Section 609(a)(1)(A) and Section 611(a)(1)(A) which requires a consumer contraction with my signature on it...if you cannot provide proof of a signature the according to FCRA Section 611(5)(A) you are required to promptly delete the information 

   

  Also, a letter sent to the credit bureaus on 6/27/22 clearly states for the company to provide method of verification in which they never responded which violates FCRA [15 U.S.C. § 1681i] (a)(1)(A)(A) In general. Subject to subsection (f), and except as provided
  in subsection (g) if the completeness or accuracy of any item of information contained in a consumer’s file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph (5), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
  
   
   

  [15 U.S. CODE § 1692C] (a)  
  
  (a)Communication with the consumer generally
  Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt—
  
  
  
  [15 U.S. CODE § 1692D](5)
  
  A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:
  (5)Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
  
  
  [15 U.S. CODE § 1692B](2)
  

  (2)not state that such consumer owes any debt;
  
  
  [15 U.S. CODE § 1692B](4)
  

  (4)not communicate by post card;
  
  
  [15 U.S. CODE § 1692B](5)

  (5)not use any language or symbol on any envelope or in the contents of any communication affected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt; 
  
  
  
  
  
  
  Sincerely,
  
  
  
  ******* ******

  Business Response

  Date: 08/23/2022

  Disputes were made directly to the credit bureaus not Eastern. Other than the disputes filed to the credit bureaus no other correspondence was received by you, not verbally or in writing. Eastern is notified that you are disputing the account by the credit bureaus and the balance owed is verified. Validation of the debt owed was promptly mailed 8/19/22 in response to your complaint. It is being reported as a disputed account. The balance has been verified and validated as owed.

  Business Response

  Date: 08/23/2022

  Disputes were made directly to the credit bureaus not Eastern. Other than the disputes filed to the credit bureaus no other correspondence was received by you, not verbally or in writing. Eastern is notified that you are disputing the account by the credit bureaus and the balance owed is verified. Validation of the debt owed was promptly mailed 8/19/22 in response to your complaint. It is being reported as a disputed account. The balance has been verified and validated as owed.

• Initial Complaint

  Date:08/19/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  EASTERN ACCOUNT SYSTEM,
  ** **** **** ***** *** ***** **** * ** ***** Phone: ###-###-####
  
  Account #********
  
  EASTERN ACCOUNT SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research EASTERN ACCOUNT SYSTEM is a debt collector. They are falsely reporting to my credit!
  Account #******** are falsely reporting to my credit file and are against my rights and fair credit act. Under 15 U.S. Code § 1681d - Disclosure of investigative consumer reports; you are in violation. I have attached the definition so you can see the violation! (a)Disclosure of fact of preparation
  
  A person may not procure or cause to be prepared an investigative consumer report on any consumer unless—
  (1)it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure (A) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested
  
  I request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature with EASTERN ACCOUNT SYSTEM. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation.
  
  Please have the creditor provide the validation documents to the BBB as well as certified mail to me . Its extremely important that the creditor provide the documents to BBB to ensure fairness and that they are not brushing me off. thank you for your assistance.
  
  I have also filed a complaint with the CFPB and the Attorney General of my state. The FTC has been notified as well for your non compliance.

  Business Response

  Date: 08/19/2022

  Based
  on the information provided in this complaint an account cannot be located. I
  am more than happy to assist you in getting this cleared up. On occasion, the
  credit bureaus will pick up different information.  I will email you at the email address
  provided in this complaint for additional information so I can get this
  rectified for you right away.  The
  email will be coming from Becky R****** * ***************

• Initial Complaint

  Date:08/19/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  2 months ago this collection agency filed a claim against me to the credit bureau for a false $700.00+ bill. When I called to conform this collection, they had ZERO information on me. They could not find me in their system by name, D.O.B., social security number, address, city or state. They do not even have a claim number to very my identity. Then asked me to do their job and pull my credit report to give e them a claim number that will show who I am . I called my bank for the report, got the report and there in no number to offer, just a group of zeros. I want this removed from my credit report immediately. Thank you for.your help.

  Business Response

  Date: 08/19/2022

  Based on the information provided in this complaint an
  account cannot be located. I am more than happy to assist you in getting this
  cleared up. On occasion, the credit bureaus will pick up different
  information.  I will email you at the email
  address provided in this complaint for additional information so I can get this
  rectified for you right away.  The email
  will be coming from Becky R****** * ***************

• Initial Complaint

  Date:08/08/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  EASTERNACCOS (Original Creditor: ** ********)
  Account number - ********
  $55.00
  Date opened: 09/02/2020
  -
  I have been contacting the bureaus to please provide me with proof that this account was verified and if they have proof that I had signed a contract with you. It has been more than 30 days now that I've been sending follow-up updates for five months now! And yet I haven't received anything back from the bureaus or your end. Please, I demand you to remove this immediately! This is completely a violation of the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA). Please kindly remove this collection account immediately! I never had a financial obligation to you or to the original creditor of this unverified account. Please look at the docs attached.

  Business Response

  Date: 08/08/2022

  Eastern Account System is a third party collection agency that works on the original creditor's behalf. The debt in question is the balance owed on a ******** bill for service installed on 12/23/2019 through 7/22/20. The address where service was provided was ***** ****** ** **** ****. The account was disconnected due to the customer move.  The account was placed for collections 9/2/2020. An initial collection notice was mailed to you to the same address provided in this complaint, at no time was this correspondence returned as undeliverable. Other than a dispute filed with the credit bureaus, no other communication or correspondence was received by you. Validation has been requested and will be mailed upon receipt. We do have several different payment options, you can pay over the phone, on line at our website or mailing in the payment. If you opt to pay online the website is ***********************
  
  If indeed this is a case of identity theft, below is the protocol instructed by our client
  It is required for you to:
  •   File a police report - This must be filed stating that the account was setup without the debtor’s permission (and a copy provided to Eastern – fax/mail/email)
  •   It is also required that the debtor have proof of residency during the time the account was active and in question and a copy of the debtor’s driver’s license or State ID (and a copy provided to Eastern – fax/mail/email)
       Once a police report has been filed, you will need to file a fraud report with client
  
  Thank You

   

• Initial Complaint

  Date:08/04/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company does not have license to collect in my state and has violated many laws trying to collect a debt not owed. They never sent me any notice of any debt before placing information on my consumer report and I am not liable for any alleged debt they claim I owe them as we dont even have a contract with each other I demanded that they cease and desist my information and all communication with me

  Business Response

  Date: 08/04/2022

  We sent three letters to the address on this complaint.  We have a contract with your creditor.  We will place the account on a block from contact from us further but can't comment on any future action of the creditor.

• Initial Complaint

  Date:08/04/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have returned all equipment in a box and placed in out front of the to the original creditor which is a company named '***' office because they were closed due to covid restrictions, they had a drop box that was completely filled up with other customers returned equipment so I placed it in front of the office where i saw other customers returned equipment as well and I took a picture for proof that all equipment was returned, however this collection agency is saying that all the equipment has not been returned and a balance of $321.00 still remains on my credit report. i have shown proof to eastern account system that all equipment was returned, and they refuse to remove this account from my credit report. The account has been settled by me, yet it is still on my credit report. I want it removed asap as it is hurting my credit score.

  Business Response

  Date: 08/04/2022

  Per
  the original creditor: There is only one  piece of equipment that was not
  returned with the others. *** is currently showing a balance of $1086.76 which
  $630 was credited for returning the
  equipment.                   
  ($1,716.91-$630.15=$1,086.76) 
  In addition to the equipment for $321.00, there is a final service bill with an
  outstanding balance of $765.76. 
  We
  do have several different payment options, you can pay over the phone, on line
  at our website or mailing in the payment. If you opt to pay online the website
  is www.easternpayments.com   
  Thank you.

• Initial Complaint

  Date:07/27/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year.
  
  These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON: "CONTRACTS WERE CANCELLED" "NO CONTRACT EXIST" These accounts are still inaccurate and need to be corrected or deleted as soon as possible; Here are the things that I want to be verified as accurate:
  
  Alleged Creditor: EASTERN ACCOUNT SYSTEM
  Alleged Original Creditor Account: *** ******* and ** *** ******E
  Debt Collector’s Account Number: ****** and 350004
  Alleged Debt Amount or Balance: $395.00 and $395.00
  
  Cc: ******** ********* ********** ****** **** *** **** **** ***** **** ***** *** ******* ***** ********** *** ************ *** ** *********** ** *****

  Business Response

  Date: 07/27/2022

  We will get validation from the creditor and mail it to you right away.