Complaints
Customer Complaints Summary
- 194 total complaints in the last 3 years.
- 15 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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:10/08/2023
Type: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 01 COMENITY BANK. I do not have a contract with THE BUREAUS. They did not provide me with the original contract as requested.
Business Response
Date: 10/17/2023
Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ************* account opened on 05/06/2019.The last purchase on the account was in the amount of $46.87 on 12/19/2019. The last payment on the account was in the amount of $50.00 on 11/17/2019 the account charged off on 06/30/2020 in the amount of $796.60.
Attached to this response are the supporting documents provided to us by *************. The documents include the card member agreement, billing statements and a letter from ************* informing ******** ********* that account number **************** was sold to ******************** INVESTMENT GROUP PORTFOLIO NO 15 LLC.
The federal debt collection rule requires debt collectors provide consumers with certain information about their debt, known as validation information. An original contract is not required validation information.
The information we are providing meets the requirements based on the standard set by the 3rd, 4th, 8th, 9th and 10th Circuit Court cases which set the standard for debt validation under 15 USC ****g Sec.809(b). We hope this answers your questions regarding this debt, however if you still require additional information, please feel free to contact us. We hope the enclosed verification documentation will bring a resolution to this dispute.
The credit information furnished by the Bureaus, *** meets the requirements set by the Fair Credit Reporting Act (FCRA), 15 U.S.C. ****, U.S. ****************** legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. For more information about Credit Reports, Scores, and the Fair Credit Reporting Act (FCRA) 15 U.S.C. ****, you can visit *************************************************************************.
Nothing in this response may be construed as an admission of wrongdoing or liability, which The Bureaus, Inc. Expressly denies. The Bureaus,***. also expressly reserves all of its rights and defense.Initial Complaint
Date:10/07/2023
Type: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 *********** nati association I did not have a contract with the bureaus the collection agency they did not provide me with the original contract as I requestedBusiness Response
Date: 10/09/2023
Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ************ ******************** account opened on 07/06/2018.The last purchase on the account was in the amount of $20.01 on 07/24/2018. The last payment on the account was in the amount of $0.00 on the account charged off on 03/04/2019 in the amount of $439.08.
Attached to this response are the supporting documents provided to us by ************ ********************. The documents include the card member agreement, billing statements and a letter from ************ ******************** informing ******************** that account number **************** was sold to ******************** INVESTMENT GROUP PORTFOLIO NO 15 LLC.
The federal debt collection rule requires debt collectors provide consumers with certain information about their debt, known as validation information. An original contract is not required validation information.
The information we are providing meets the requirements based on the standard set by the 3rd, 4th, 8th, 9th and 10th Circuit Court cases which set the standard for debt validation under 15 USC ****g Sec.809(b). Our investigation found the information you previously disputed to be accurate.We hope this answers your questions regarding this debt, however if you still require additional information, please feel free to contact us. We hope the enclosed verification documentation will bring a resolution to this dispute.
The credit information furnished by the Bureaus, *** meets the requirements set by the Fair Credit Reporting Act (FCRA), 15 U.S.C. ****, U.S. ****************** legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. For more information about Credit Reports, Scores, and the Fair Credit Reporting Act (FCRA) 15 U.S.C. ****, you can visit *************************************************************************.
Nothing in this response may be construed as an admission of wrongdoing or liability, which The Bureaus, Inc. Expressly denies. The Bureaus,***. also expressly reserves all of its rights and defense.Customer Answer
Date: 10/11/2023
Complaint: 20709967
I am rejecting this response because:
Sincerely,
****************** I will not accept this from according to the per law rule 609 a business has no right to sell my credit without my knowledge further more I signed no legal paperwork for this and this debt should be corrected off my reportBusiness Response
Date: 10/17/2023
Re-attached to this response is the card member agreement, highlighted on page 5 for your reference. The highlighted text reads, We may sell,assign or transfer your Account and this Agreement without your permission and without prior notice to you. Any assignee or assignees will take our place under this Agreement. You must pay them and perform all of your obligations to them and not us.
A signature is not required validation information. The information we are providing meets the requirements based on the standard set by the 3rd, 4th, 8th, 9th and 10th Circuit Court cases which set the standard for debt validation under 15 USC ****g Sec. 809(b). Our investigation found the information you previously disputed to be accurate.
The credit information furnished by the Bureaus, *** meets the requirements set by the Fair Credit Reporting Act (FCRA), 15 U.S.C. ****, U.S. ****************** legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. For more information about Credit Reports, Scores, and the Fair Credit Reporting Act (FCRA) 15 U.S.C. ****, you can visit *************************************************************************.
Nothing in this response may be construed as an admission of wrongdoing or liability, which The Bureaus, Inc. Expressly denies. The Bureaus,***. also expressly reserves all of its rights and defense.
Customer Answer
Date: 10/18/2023
Complaint: 20709967
I am rejecting this response because:
According to sec 609 I was not informed my my credit was sold to another company I did not give permission nor did I sign anything permission to do so in fact I want this off my credit report due to these circumstances
Sincerely,
Joerise TarryBusiness Response
Date: 10/20/2023
Re-attached to this response is the previously provided letter from *********** informing you that the account ending in **** was sold. Also re-attached to this response is the card member agreement, highlighted on page 5 which reads, We may sell, assign or transfer your Account and this Agreement without your permission and without prior notice to you.Any assignee or assignees will take our place under this Agreement. You must pay them and perform all of your obligations to them and not us.
The information we have already provided meets the validation requirements based on the standard set by the 3rd, 4th, 8th, 9th and 10th Circuit Court cases which set the standard for debt validation under 15 USC ****g Sec. 809(b).
The credit information furnished by the Bureaus, *** meets the requirements set by the Fair Credit Reporting Act (FCRA), 15 U.S.C. ****, U.S. ****************** legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. For more information about Credit Reports, Scores, and the Fair Credit Reporting Act (FCRA) 15 U.S.C. ****, you can visit *************************************************************************.
Nothing in this response may be construed as an admission of wrongdoing or liability, which The Bureaus, Inc. Expressly denies. The Bureaus,***. also expressly reserves all of its rights and defense.Customer Answer
Date: 10/30/2023
Complaint: 20709967
I am rejecting this response because:
Hi my name is joerise ***** *************** I never received anything in writing Stating from either *********** or the bureaus that my information is being sold according to sec 609 I've never gave permission or signed anything thanks for your helping advance
Sincerely,
******************Business Response
Date: 10/31/2023
Re-attached to this response is the previously provided letter from *********** informing you that the account ending in **** was sold. The letter was sent to PO BOX **** **************, ** 11552-0735 Also re-attached to this response is the card member agreement, highlighted on page 5 which reads, We may sell, assign or transfer your Account and this Agreement without your permission and without prior notice to you. Any assignee or assignees will take our place under this Agreement. You must pay them and perform all of your obligations to them and not us.
Nothing in this response may be construed as an admission of wrongdoing or liability, which The Bureaus, Inc. Expressly denies. The Bureaus,Inc. also expressly reserves all of its rights and defense.Initial Complaint
Date:10/01/2023
Type: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 The Bureaus **** I do not have a contract with The Bureaus **** they did not provide me with the original contract as i requested.Business Response
Date: 10/02/2023
The federal debt collection rule requires debt collectors provide consumers with certain information about their debt, known as validation information. An original contract is not required validation information.
Unfortunately, we were unable to conduct an investigation into this complaint because would need more information to identify the account such as: TBI account number, original account number, date of birth or last four digits of your social security number.
The credit information furnished by the Bureaus, *** meets the requirements set by the Fair Credit Reporting Act (FCRA), 15 U.S.C. ****, U.S. ****************** legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. For more information about Credit Reports, Scores, and the Fair Credit Reporting Act (FCRA) 15 U.S.C. ****, you can visit *************************************************************************.
Nothing in this response may be construed as an admission of wrongdoing or liability, which The Bureaus, Inc. Expressly denies. The Bureaus, Inc. also expressly reserves all of its rights and defense.Initial Complaint
Date:09/28/2023
Type: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(s) with ******************** Nation. I do not have a contract with The Bureaus, Inc., they did not provide me with the original contract as I requested.Customer Answer
Date: 09/29/2023
This is my first time I have ever filed a complaint with the BBB. I personally made the request myself. The Bureaus, Inc. along side all the companies that are on the list verified with the credit bureaus that these debts were mine although the original contract was not provided to me as requested. I sent several letters to the credit bureaus on several occasions regarding this issue prior to the one attached as well.
Business Response
Date: 09/29/2023
Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a **************** ****** ******************** account opened on 04/26/2018.The last purchase on the account was in the amount of $92.91 on 11/03/2018. The last payment on the account was in the amount of $40.00 on 06/06/2019 the account charged off on 06/19/2019 in the amount of $481.58.
Attached to this response are the supporting documents provided to us by **************** ****** ********************. The documents include the card member agreement, billing statements and a letter from **************** ****** ******************** informing Alwyn Sosoo that account number **************** was sold to ******************** INVESTMENT GROUP PORTFOLIO NO 15 LLC.
The federal debt collection rule requires debt collectors provide consumers with certain information about their debt, known as validation information. An original contract is not required validation information.
The credit information furnished by the Bureaus, *** meets the requirements set by the Fair Credit Reporting Act (FCRA), 15 U.S.C. ****, U.S. ****************** legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. For more information about Credit Reports, Scores, and the Fair Credit Reporting Act (FCRA) 15 U.S.C. ****, you can visit *************************************************************************.
Nothing in this response may be construed as an admission of wrongdoing or liability, which The Bureaus, Inc. Expressly denies. The Bureaus,***. also expressly reserves all of its rights and defense.Customer Answer
Date: 09/29/2023
Complaint: 20670243
I am rejecting this response because:I never signed off an original contract to pay off any of what they claim I owe to them. I need a copy of the original contract with my personal signature between me and the original creditor, not snapshots of what they claim I owe.
Sincerely,
*********************Business Response
Date: 10/03/2023
Please accept this as our response to the complaint of Alwyn Sosoo regarding account number ****************, sold to ******************** INVESTMENT GROUP PORTFOLIO NO 15 LLC.
The federal debt collection rule requires debt collectors provide consumers with certain information about their debt, known as validation information. An original contract is not required validation information.
The information we previously provided meets the requirements based on the standard set by ******** ************************, 174 F.3d 394 (4th Cir. ****) which sets the standard for debt validation under 15 USC ****g Sec. 809(b).
The Assignment section of the cardmember agreement states We may sell,assign or transfer your Account and this Agreement without your permission and without prior notice to you. Any assignee or assignees will take our place under this Agreement. You must pay them and perform all of your obligations to them and not us.
Nothing in this response may be construed as an admission of wrongdoing or liability, which The Bureaus, Inc. Expressly denies. The Bureaus,Inc. also expressly reserves all of its rights and defense.
Initial Complaint
Date:09/28/2023
Type: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 the "defenders", I do not have a contract with The Bureaus, Inc. They did not provide me with the original contract as I requested.Initial Complaint
Date:09/27/2023
Type: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'm not liable for this debt with THE BUREAUS *** I do not have a contract with this collection agency; they did not provide me with the original contract as requested.Initial Complaint
Date:09/24/2023
Type: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 The Bureaus **** I do not have a contract with The Bureaus ****, they did not provide me with the original contract as I requested.Business Response
Date: 09/26/2023
Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ********************* account opened on 09/09/2017.The last purchase on the account was in the amount of $67.33 on 12/22/2019. The last payment on the account was in the amount of $62.00 on 11/20/2019 the account charged off on 06/30/2020 in the amount of $968.27.
Attached to this response are the supporting documents provided to us by *********************. The documents include the card member agreement, billing statements and a letter from ********************* informing ******************************* that account number **************** was sold to ******************** INVESTMENT GROUP PORTFOLIO NO 15 LLC.
The federal debt collection rule requires debt collectors provide consumers with certain information about their debt, known as validation information. An original contract is not required validation information.
The information we are providing meets the requirements based on the standard set by the 3rd, 4th, 8th, 9th and 10th Circuit Court cases which set the standard for debt validation under 15 USC ****g Sec.809(b). We hope this answers your questions regarding this debt, however if you still require additional information, please feel free to contact us. We hope the enclosed verification documentation will bring a resolution to this dispute.
The credit information furnished by the Bureaus, *** meets the requirements set by the Fair Credit Reporting Act (FCRA), 15 U.S.C. ****, U.S. ****************** legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. For more information about Credit Reports, Scores, and the Fair Credit Reporting Act (FCRA) 15 U.S.C. ****, you can visit *************************************************************************.
Nothing in this response may be construed as an admission of wrongdoing or liability, which The Bureaus, Inc. Expressly denies. The Bureaus,***. also expressly reserves all of its rights and defense.Customer Answer
Date: 09/28/2023
Complaint: 20649419
I am rejecting this response because:
Sincerely,
*****************************Initial Complaint
Date:09/23/2023
Type: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 comenity capital bank. I do not have a contract with The Bureaus. They did not provide me with the original contract as requested.Business Response
Date: 09/25/2023
Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ********************* account opened on 10/01/2018.The last purchase on the account was in the amount of $70.00 on 10/25/2019. The last payment on the account was in the amount of $64.00 on 09/13/2019 the account charged off on 04/30/2020 in the amount of $2,811.23.
Attached to this response are the supporting documents provided to us by *********************. The documents include the card member agreement, billing statements and a letter from ********************* informing ***************************** that account number **************** was sold to ******************** INVESTMENT GROUP PORTFOLIO NO 15 LLC.
The federal debt collection rule requires debt collectors provide consumers with certain information about their debt, known as validation information. An original contract is not required validation information.
The information we are providing meets the requirements based on the standard set by the 3rd, 4th, 8th, 9th and 10th Circuit Court cases which set the standard for debt validation under 15 USC ****g Sec. 809(b).We hope this answers your questions regarding this debt, however if you still require additional information, please feel free to contact us. We hope the enclosed verification documentation will bring a resolution to this dispute.
The credit information furnished by the Bureaus, *** meets the requirements set by the Fair Credit Reporting Act (FCRA), 15 U.S.C. ****, U.S. ****************** legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. For more information about Credit Reports, Scores, and the Fair Credit Reporting Act (FCRA) 15 U.S.C. ****, you can visit *************************************************************************.
Nothing in this response may be construed as an admission of wrongdoing or liability, which The Bureaus, Inc. Expressly denies. The Bureaus,***. also expressly reserves all of its rights and defense.Initial Complaint
Date:09/21/2023
Type: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 ******************** Nation. I do not have a contract with The Bureaus ***, they did not provide me with the original contract as I requested.Customer Answer
Date: 09/21/2023
I filed the complaint as the consumer. I did not use a 3rd party company to file the complaint.Business Response
Date: 09/25/2023
Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a **************** ****** ******************** account opened on 09/25/2016.The last purchase on the account was in the amount of $6.50 on 08/01/2018. The last payment on the account was in the amount of $311.45 on 07/07/2018 the account charged off on 02/25/2019 in the amount of $616.68.
Attached to this response are the supporting documents provided to us by **************** ****** ********************. The documents include the card member agreement, billing statements and a letter from **************** ****** ******************** informing ***************************************** that account number **************** was sold to ******************** INVESTMENT GROUP PORTFOLIO NO 15 LLC.
The federal debt collection rule requires debt collectors provide consumers with certain information about their debt, known as validation information. An original contract is not required validation information.
The information we are providing meets the requirements based on the standard set by the 3rd, 4th, 8th, 9th and 10th Circuit Court cases which set the standard for debt validation under 15 USC ****g Sec.809(b). We hope this answers your questions regarding this debt, however if you still require additional information, please feel free to contact us. We hope the enclosed verification documentation will bring a resolution to this dispute.
The credit information furnished by the Bureaus, *** meets the requirements set by the Fair Credit Reporting Act (FCRA), 15 U.S.C. ****, U.S. ****************** legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. For more information about Credit Reports, Scores, and the Fair Credit Reporting Act (FCRA) 15 U.S.C. ****, you can visit *************************************************************************.
Nothing in this response may be construed as an admission of wrongdoing or liability, which The Bureaus, Inc. Expressly denies. The Bureaus,***. also expressly reserves all of its rights and defense.Initial Complaint
Date:09/20/2023
Type: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 ********************************* I do not have a contract with THE BUREAUS, Inc., they did not provide me with the original contract as I requested.Customer Answer
Date: 09/20/2023
No, I am not using a 3rd party to file my complaint. This is the collection I am disputing.Business Response
Date: 09/22/2023
Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ************ ******************** account opened on 11/15/2018.The last purchase on the account was in the amount of $92.00 on 01/28/2019. The last payment on the account was in the amount of $0.00 on the account charged off on 07/31/2019 in the amount of $1,079.80.
Attached to this response are the supporting documents provided to us by ************ ********************. The documents include the card member agreement, billing statements and a letter from ************ ******************** informing Kym ******** that account number **************** was sold to ******************** INVESTMENT GROUP PORTFOLIO NO 15 LLC.
The federal debt collection rule requires debt collectors provide consumers with certain information about their debt, known as validation information. An original contract is not required validation information.
The information we are providing meets the requirements based on the standard set by the 3rd, 4th, 8th, 9th and 10th Circuit Court cases which set the standard for debt validation under 15 USC ****g Sec.809(b). Our investigation found the information you disputed to be accurate.We hope this answers your questions regarding this debt, however if you still require additional information, please feel free to contact us. We hope the enclosed verification documentation will bring a resolution to this dispute.
The credit information furnished by the Bureaus, *** meets the requirements set by the Fair Credit Reporting Act (FCRA), 15 U.S.C. ****, U.S. ****************** legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. For more information about Credit Reports, Scores, and the Fair Credit Reporting Act (FCRA) 15 U.S.C. ****, you can visit *************************************************************************.
Nothing in this response may be construed as an admission of wrongdoing or liability, which The Bureaus, Inc. Expressly denies. The Bureaus,***. also expressly reserves all of its rights and defense.
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