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:08/15/2023

  Type:Service or Repair 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.

  Pursuant to 18 USC 8, I do not owe this debt. I have requested numerous of times for proof with a signed copy of contract between us but nothing has been provided. This company is violating my consumer right to privacy pursuant to 15 USC 1682 1b.

  

  Business Response

  Date: 08/18/2023

  Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ************ N.A. account opened on 05/27/2017.The last purchase on the account was in the amount of $399.05 on 07/18/2017. The last payment on the account was in the amount of $0.00 on  the account charged off on 03/31/2018 in the amount of $947.21.
  The federal debt collection rule requires debt collectors provide consumers with certain information about their debt, known as validation information. A signed contract is not required validation information.
  According to 15 U.S. Code ****g - Validation of debts section A states as follows: (a)NOTICE OF DEBT; CONTENTS Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing (1) the amount of the debt; (2) the name of the creditor to whom the debt is owed; (3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector; (4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and (5) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer.
  The information we previously provided 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.
  

• Initial Complaint

  Date:08/14/2023

  Type:Customer Service 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 01 **************** *** NATION, i do not have a contract The Bureaus, Inc. they did not provide me with the original contract as requested.

  

  Business Response

  Date: 08/16/2023

  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.
  
  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.

  Customer Answer

  Date: 08/18/2023

   
  Complaint: 20467509
  
  I am rejecting this response because: i do not have a contract with this company. remove this from my credit report. 
  
  Sincerely,
  
  ***********************

  

  Business Response

  Date: 08/21/2023

  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.
  
  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:08/10/2023

  Type:Order 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'm not liable for this debt with capital one,I do not have a contract with the bureaus they did not provide me with the original contract as requested

  

  Business Response

  Date: 08/11/2023

  Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ************ ******************** account opened on 10/15/2021.The last purchase on the account was in the amount of $51.76 on 06/06/2022. The last payment on the account was in the amount of $94.00 on 10/10/2022 the account charged off on 03/14/2023 in the amount of $551.28.
  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: 08/14/2023

   
  Complaint: 20449833
  
  I am rejecting this response because:
  The validation of the debt was and still is with ************ I never signed any documents or contracts to pay the bureaus . There is nothing with my signature in writing or other wise that obligates me to pay them (The Bureaus ) any amount. I demand that this be removed from my credit report. 
  Sincerely,
  
  *********************

  

  Business Response

  Date: 08/18/2023

  The federal debt collection rule requires debt collectors provide consumers with certain information about their debt, known as validation information. A signed contract is not required validation information.
  The information we previously provided 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 previously provided the cardmember agreement and a letter from the original creditor with instruction on where to send future payments. Both have been re-attached for your convenience. The section of the Card Member Agreement regarding Assignment is highlighted on page 5 for your reference.
  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: 08/20/2023

   
  Complaint: 20449833
  
  I am rejecting this response because:

  I'm not asking for a validation,I'm telling you I do not owe you a debt . There's no law that state because you bought something,that I now owe you anything.I don't have a written signed contract with your company! You can not force me to pay you or sully my name for a debt I do not have with you! Again I demand this be removed! No agreement no contract no bill!
  
  Sincerely,
  
  *********************

• Initial Complaint

  Date:08/08/2023

  Type:Customer Service 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 charter communications, l do not have a contract with THE BUREAUS. they did not Provide me with the original contract as I requested

  

  Business Response

  Date: 08/09/2023

  Please accept this as our response to the complaint concerning file number *********, original account number ****************. We do not have any affiliation with charter communications.
  The account was originally a **************** ****** ******************** account opened on 05/07/2016.The last purchase on the account was in the amount of $116.26 on 03/09/2019. The last payment on the account was in the amount of $55.00 on 09/07/2019 the account charged off on 11/08/2019 in the amount of $892.85.
  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 Fatima ************  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: 08/17/2023

   
  Complaint: 20441820
  
  I am rejecting this response because:
  I am not liable for this debt with charter
  communications, I do not have a contract with THE BUREAUS. they did not Provide me with the original contract. I would like it to be Corrected  to my credit report, So that this account can be removed from credit report Because I am not working and they do not have the Present /correct information.

  Sincerely,
  
  *************************

  

  Business Response

  Date: 08/18/2023

  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.
  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:08/06/2023

  Type:Order 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'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 a original contract as requested.

  

  Business Response

  Date: 08/08/2023

  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, or date of birth.
  
  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.

  Customer Answer

  Date: 08/09/2023

   
  Complaint: 20429331
  
  I am rejecting this response because:
  
  Sincerely,
  
  ***********************

• Initial Complaint

  Date:08/06/2023

  Type:Order 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'm not liable for this debt with ********************* and I do not have a contract with the Bureaus agency trying to collect and Reporting this to your credit report as they have failed to provide me the original contract as requested.

  

  Business Response

  Date: 08/08/2023

  Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ********************* account opened on 02/07/2016.The last purchase on the account was in the amount of $741.99 on 12/23/2016. The last payment on the account was in the amount of $50.00 on 06/05/2019 the account charged off on 01/31/2020 in the amount of $741.85.
  The federal debt collection rule requires debt collectors to provide consumers with certain information about their debt, known as validation information. An original contract is not required validation information.
  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 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:08/06/2023

  Type:Order 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 **************** *** NATION , I do not have a contract with THE BUREAUS , they did not provide me with the original contract as I requested

  

  Business Response

  Date: 08/08/2023

  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, or date of birth.
  
  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:08/04/2023

  Type:Order 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 **************** (***) NATION, I do not have a contract with THE BUREAUS *** , they did not provide me with the original contract as requested

  

  Business Response

  Date: 08/08/2023

  The CFPBs debt collection rule requires debt collectors to provide consumers with certain information about their debt, known as validation information. An original contract is not required as 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, or date of birth.
  
  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:08/01/2023

  Type:Service or Repair 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.

  Iam 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 requested

  

  Business Response

  Date: 08/02/2023

  Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ************* account opened on 09/14/2018.The last purchase on the account was in the amount of $21.85 on 05/06/2019. The last payment on the account was in the amount of $37.00 on 03/27/2019 the account charged off on 11/30/2019 in the amount of $554.05.
  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 Ebony  ******  that account number **************** was sold to ******************** INVESTMENT GROUP PORTFOLIO NO 15 LLC.
  According to 15 U.S. Code ****g - Validation of debts section A states as follows: (a)NOTICE OF DEBT; CONTENTS Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing (1) the amount of the debt; (2) the name of the creditor to whom the debt is owed; (3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector; (4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and (5) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer.
  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:07/31/2023

  Type:Order 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 liable for this debt with *********** ***** NATION. I do not have a contract with The BUREAUS, INC. They did not provide me with the original contract as requested.

  

  Business Response

  Date: 08/01/2023

  Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a **************** ****** ******************** account opened on 02/14/2018.The last purchase on the account was in the amount of $4.21 on 06/21/2018. The last payment on the account was in the amount of $25.00 on 06/14/2018 the account charged off on 01/21/2019 in the amount of $459.55.
  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 YUVES E  YOUNG  that account number **************** was sold to ******************** INVESTMENT GROUP PORTFOLIO NO 15 LLC.
  According to 15 U.S. Code ****g - Validation of debts section A states as follows: (a)NOTICE OF DEBT; CONTENTS Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing (1) the amount of the debt; (2) the name of the creditor to whom the debt is owed; (3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector; (4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and (5) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer.
  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.