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:04/28/2023

  Type:Customer Service Issues
  Status:

  ResolvedMore 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 The Bureaus **** They did not provide me with the original application per my written request.

  

  Business Response

  Date: 05/09/2023

  Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ************* account opened on 08/20/2016.The last purchase on the account was in the amount of $1,647.76 on 02/09/2017. The last payment on the account prior to charge off was in the amount of $100.00 on 03/03/2020 the account charged off on 09/30/2020 in the amount of $990.07.
  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.
  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). 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 account has since been settled in full for $693.05, and a deletion request has been submitted to the credit reporting agencies. A copy of the request is attached.
  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: 05/09/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *********************

• Initial Complaint

  Date:04/27/2023

  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.

  The nature of this dispute is that I am not liable for this debt with the Bureaus, I do not have a contract with them.

  

  Business Response

  Date: 04/27/2023

  Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ************* account opened on 05/17/2015.The last purchase on the account was in the amount of $97.46 on 01/28/2018. The last payment on the account was in the amount of $67.00 on 05/01/2019 the account charged off on 12/31/2019 in the amount of $517.52.
  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.
  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). 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.
  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:03/26/2023

  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 would like to report this company to you as being a noncompliance collection agency doing business in ******* without authority. They are attempting to collect an alleged debt from me that I have told them that I did not consent to or authorize it to be charged. I am a victim of identity theft. I have filed a complaint against them with the *** and they still continue with their predatory tactics. I have requested they send me proof of validation of this claim. They refuse to submit such proof yet continue to contact me with such harsh practice. I requested they send me proof of the matter to the fact with notarized proof of my signature on the original contract and they refuse to send me the proof because it does not exist. I have contacted the credit bureaus and asked that they delete these collections from my credit bureaus but The Bureaus continue to verify that the claim is my debt and nothing gets resolved. I really have done all that I can do to resolve this matter but nothing happens. I am asking that your company assist me with my efforts to have this matter resolved by cease and desist of the reporting of the false claim to the credit reporting bureaus and cease communication with me. Then they wont send the proof of claim yet continue violating federal law by conducting collection business in Georgia. They know that I am not responsible for the debt but they continue to attempt with their predatory extortion tactics. Please assist me with resolving this stressful ordeal.

  

  Business Response

  Date: 03/27/2023

  Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a First ************* of ***** account opened on 03/02/2018.The last purchase on the account was in the amount of $19.35 on 09/04/2018. The last payment on the account was in the amount of $250.00 on 12/31/2018 the account charged off on 08/30/2019 in the amount of $2,803.18.
  Attached to this response are the supporting documents provided to us by First ************* of *****. The documents include the card member agreement, billing statements and a letter from First ************* of *****  informing ******  *********  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). 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.
  We have attached a fraud affidavit. Upon completion of this document, you will need to have your signature notarized and return it to my office. We also require a copy of your signature appearing on an official identification card of some form (your drivers license will suffice). Once we have compiled the above referenced documentation, we will apprise you of the outcome. Instead of the attached affidavit of forgery, we also will accept a police report. Thank you in advance for your anticipated cooperation.
  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: 03/28/2023

   
  Complaint: 19854237
  
  I am rejecting this response because:
  

   

  It appears that the collection agency sent the letter to the person and address in ******* ** where I do not live and I am for certain that the person or persons who obtained the card was not interested in paying the debt. It certainly was NOT me. PLease have the collection agency adhere to the Validation letter I sent them and send your company the BBB proof of claim in a matter to the sworn fact of the alleged being my debt and have them notarize that they have witnessed me sign a contract for the alleged debt. They have not proven the debt is my debt. They sent a letter to a person and an address in which I do not live therefore I never would have and did not receive notice of the original debt nor the letter. 

  I am not responsible for this debt and will not accept their bogus letter or attempt to collect on the debt from me. I stand firm in asking the BBB to not allow this company to get away with such predatory practices. I strongly urge the BBB to Please review the attachments and act accordingly on my behalf.

   

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

  

  Business Response

  Date: 03/31/2023

  We have attached a fraud affidavit. Upon completion of this document, you will need to have your signature notarized and return it to my office. We also require a copy of your signature appearing on an official identification card of some form (your drivers license will suffice). Once we have compiled the above referenced documentation, we will apprise you of the outcome. Instead of the attached affidavit of forgery, we also will accept a police report. Thank you in advance for your anticipated cooperation

• Initial Complaint

  Date:03/24/2023

  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.

  COMPANY REPORTING ACCOUNT NOT MINES, OUTDATED REPORTING PAST STATUTE OF LIMITATION TO COLLECT HAS EXPIRED, ACC# UNKNOWN, $992.00, NEVER LIVED IN THE *******************, SAME ACCOUNT REPORTED UNDER THE NAME ******************* SSN#(LAST4) ****, DOB: 10/13/1983

  

  Business Response

  Date: 03/27/2023

  Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a **************** ****** ******************** account opened on 06/14/2017. Payments were made on the account for approximately 2 years. The last payment on the account was in the amount of $116.00 on 07/29/2019. The last purchase on the account was in the amount of $8.34 on 08/05/2019. The account charged off on 03/14/2020 in the amount of $992.07.
  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.
  We have also attached a fraud affidavit. Upon completion of this document, you will need to have your signature notarized and return it to my office. We also require a copy of your signature appearing on an official identification card of some form (your drivers license will suffice). Once we have compiled the above referenced documentation, we will apprise you of the outcome. Instead of the attached affidavit of forgery, we also will accept a police report. Thank you in advance for your anticipated cooperation.
  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:02/15/2023

  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.

  Feb.12 2023 Account #******xxx In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC ******* U.S.C **** section 602 A. States I have the right to privacy.15 U.S.C **** Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions In accordance with the Fair Debt Collection Practices Act.Debt collectors are not allowed to communicate with me under the 15 USC 1692C

  

  Business Response

  Date: 02/21/2023

  Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ************ ******************** account opened on 12/03/2017.The last purchase on the account was in the amount of $294.67 on 10/25/2018. The last payment on the account was in the amount of $60.00 on 05/17/2019 the account charged off on 12/31/2019 in the amount of $924.08.
  Attached to this response are the supporting documents provided to us by ************ ********************. The documents include the card member agreement with the credit reporting section and assignment section highlighted for your reference. Also attached is a letter from ************ ********************  informing *****  ******  that account number **************** was sold to ******************** INVESTMENT GROUP PORTFOLIO NO 15 LLC.
  However, our records show we submitted a request on 09/18/2022 to all three credit reporting agencies to delete the information furnished by The Bureaus, ****
  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: 02/22/2023

   
  Complaint: 19413346
  
  I am rejecting this response because:the account still appear on all three credit bureaus 
  
  Sincerely,
  
  ***********************

  

  Business Response

  Date: 02/23/2023

  Please accept this as our response to the complaint concerning file number *********, original account number ****************. As previously stated, our records show we submitted a request on 09/18/2022 to all three credit reporting agencies to delete the information furnished by The Bureaus, Inc. Because you indicate the account is still appearing on your credit report, we sent a another request for deletion today, and have attached a copy of the request for your records.  
  Please note that sometimes credit report information provided by third party resources may vary from the information provided directly by the three major credit reporting companies. You are able to request one free copy of your credit report each year from each of the three major consumer reporting companies (Equifax, Experian and TransUnion) by visiting AnnualCreditReport.com. You may also be able to view free reports more frequently online.
  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: 02/23/2023

   
  Complaint: 19413346
  
  I am rejecting this response because:
  
  Sincerely,
  
  ***********************

• Initial Complaint

  Date:02/13/2023

  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.

  received a notice that I have a collection from THE BUREAUS *** on my credit report. It says it was opened on 02/01/2017 for $497 with account number starting in ********* that I am not aware of nor am I responsible for. I never went into business with this company or signed any agreements with them so they should not be reporting anything on my credit. This is a violation of my rights as a consumer according to the **** and FDCPA.I would like for this collection to be removed asap or I will file a CFPB and FTC report.

  

  Business Response

  Date: 02/16/2023

  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 03/04/2016.The last purchase on the account was in the amount of $20.12 on 06/12/2016. The last payment on the account was in the amount of $200.00 on 05/28/2016 the account charged off on 01/31/2017 in the amount of $497.46.
  Attached to this response are the supporting documents provided to us by ************ N.A.. The documents include the card member agreement, billing statements and a letter from ************ N.A.  informing *******  *****  that account number **************** was sold to ******************** INVESTMENT GROUP PORTFOLIO NO 15 LLC. The information attached was originally mailed to ************************************************************.
  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:02/09/2023

  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 recently sent a letter out asking for an investigation and to delete if report is not 100% accurate. The company replied back stating that all 3 bearues are 100% accurate with no orginal contract and still inaccuries on report. I am not liable for this debt with The Bureaus.

  

  Business Response

  Date: 02/10/2023

  Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ************ ******************** account opened on 10/28/2016.The last purchase on the account was in the amount of $150.00 on 07/27/2017. The last payment on the account was in the amount of $125.00 on 10/02/2018 the account charged off on 02/28/2019 in the amount of $827.51.
  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.
  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). 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:02/06/2023

  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 The Bureaus and do not have a contract with The Bureaus. They do not provide me with the orginial application like I asked.

  

  Business Response

  Date: 02/07/2023

  Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ************* account opened on 07/03/2015.The last purchase on the account was in the amount of $181.05 on 12/23/2017. The last payment on the account was in the amount of $20.00 on 09/18/2018 the account charged off on 04/30/2019 in the amount of $1,200.84.
  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:01/10/2023

  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.

  acct# ********* date feb 2019 amount $852 I am NOT liable for this debt with *********** NATIONAL ASSOCIAT and i do NOT have a contract with THE BUREAUS **** They did NOT provide me with the original application like i asked.

  

  Business Response

  Date: 01/10/2023

  Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ************ ******************** account opened on 09/11/2017.The last purchase on the account was in the amount of $13.48 on 06/26/2018. The last payment on the account was in the amount of $0.00 on  the account charged off on 01/31/2019 in the amount of $851.96.
  Attached to this response are the supporting documents provided to us ************ ********************. 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.
  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). 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:12/20/2022

  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 sprint and do not have a contract with convergent. They do not provide me with the original application like | asked.

  

  Business Response

  Date: 12/21/2022

  Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a Lord and ****** ************ N.A. account opened on 02/22/2016.The last purchase on the account was in the amount of $90.51 on 04/05/2016. The last payment on the account was in the amount of $130.00 on 02/13/2017 the account charged off on 04/29/2017 in the amount of $600.12.
  Attached to this response are the supporting documents provided to us ************ N.A.. The documents include the card member agreement, billing statements and a letter from ************ N.A.  informing Amal  *****  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). 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 https://www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/.
  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.