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:09/12/2022
Type:Billing IssuesStatus: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.
In accordance with the Fair Credit Reporting act Convergent Account # ****, has violated my rights. 15 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 instructionsBusiness Response
Date: 09/13/2022
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/creditreports-and-scores/.
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:09/12/2022
Type:Billing IssuesStatus: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.
In accordance with the Fair Credit Reporting act Convergent Account # ****, has violated my rights. 15 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 instructionsBusiness Response
Date: 09/13/2022
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.Initial Complaint
Date:09/07/2022
Type:Sales and Advertising IssuesStatus: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 declare Under penalty of perjury, (under the laws of the *************, if executed outside of *****************), that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDEAL CRIMINAL VIOLATION punishable under 18 USC ****. Additionally, these misstatements are punishable as perjury under 18 USC ****. This item found within my credit report is not related to any transaction that I made. This debt collector is in violation for putting unknown/unauthorize account on my credit report. I never had any business with debt collector nor gave my written consent. This has caused me to suffer and its defamation of my character.Moving forward I would like you to stop reporting to all credit reporting agencies that I owe any amount to your company. Remove all false debts from my reports ASAP. I also like your company to mail me via postal mail all the changes have been made or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering.Business Response
Date: 09/12/2022
Please accept this as our response to the complaint #********.
The account ending in **** was a Wayfair account underwritten by ************* and opened on 04/04/2019.The account charged off on 02/29/2020 in the amount of $587.83.We previously attached supporting documents provided to us by *************** The documents include the card member agreement, the last 8 billing statements and a letter from *************. stating the account ending in **** was sold to Bureaus **************** 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 ******** ************************, 174 F.3d 394 (4th Cir.1999) which sets 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 https://www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/.
THE BUREAUS, INC. hopes that this response and the enclosed documentation will bring a resolution to this complaint. 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: 09/14/2022
Complaint: 17931055
I am rejecting this response because:I have been in distressed about my credit report due to your company are using unfair credit reporting methods.
I never had any business with your company nor gave my written consent.
This account is an alleged debt from different company, and you have purchased it. You are in a violation of collection of extension of credit/debt.As per FTC guidelines reporting this account in my consumer credit report is a collection activity. therefore, you are in violation under 18 U.S. Code 894 - Collection of extensions of credit Under (a)Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means (1)to collect or attempt to collect any extension of credit, or (2)to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. Your continued derogatory reporting of this account in my credit report is a form of punishment and hurting my chances of improving my living situation.
Cease and desist also means under 15 U.S. Code ****c (c) - Communication in connection with debt collection, If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further "communication" with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt,
This is not just limited to the traditional method of communication - "phone calls" "Communication in connection with debt collection", also includes - reporting this account in my consumer credit report which is a written communication.
Cease and desist, delete this account immediately.Thank you for your time.
Sincerely,
*****************************Business Response
Date: 09/19/2022
We previously provided supporting documents provided to us by *************** Re-attached please find the card member agreement, which contains a section regarding credit reporting.
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/.
THE BUREAUS, INC. hopes that this response and the enclosed documentation will bring a resolution to this complaint. 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:09/01/2022
Type:Order IssuesStatus: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 Capitol One and do not have a contract with *********** **** They did not provide me with the original application like i asked.Business Response
Date: 09/12/2022
Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ************ ******************** account opened on 07/14/2019.The last purchase on the account was in the amount of $821.33 on 07/14/2019. The last payment on the account was in the amount of $100.00 on 12/27/2019 the account charged off on 07/31/2020 in the amount of $985.31.
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 ******** ************************, 174 F.3d 394 (4th Cir.1999) which sets the standard for debt validation under 15 USC ****g Sec.809(b).
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.Customer Answer
Date: 09/12/2022
Complaint: 17813072
I am rejecting this response because:
Sincerely,
*************************Initial Complaint
Date:08/29/2022
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I have tried several times to get this collection agency removed from my credit report. I do not know this company and they have not been able to provide me with a debt verification letter within the allotted timeframe (not even months later). I have been working hard on rebuilding my credit and this collection agency is a real problem. I want this collector and their information removed/deleted from my credit report. I have just graduated college and they hurting my employment chances.Business Response
Date: 08/29/2022
Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ************* account opened on 09/17/2018.The last purchase on the account was in the amount of $32.58 on 03/15/2019. The last payment on the account was in the amount of $25.00 on 11/20/2019 the account charged off on 05/31/2020 in the amount of $562.67.
We are mailing supporting documents provided to us ************* to the address listed in the complaint. 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 ******** ************************, 174 F.3d 394 (4th Cir.1999) which sets the standard for debt validation under 15 USC ****g Sec.809(b).
We hope the 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.Initial Complaint
Date:08/23/2022
Type:Billing IssuesStatus: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.
Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC ****. Delete this unverified and misleading account.Business Response
Date: 08/24/2022
Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a **************** ****** ******************** account opened on 04/04/2015.The last purchase on the account was in the amount of $182.00 on 12/14/2017. The last payment on the account was in the amount of $40.00 on 10/24/2018 the account charged off on 05/28/2019 in the amount of $811.69.
We are mailing 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 ******** ************************, 174 F.3d 394 (4th Cir.1999) which sets the standard for debt validation under 15 USC ****g Sec.809(b).
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. ****, **** ****************** 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.Initial Complaint
Date:08/21/2022
Type:Order IssuesStatus: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 collection's debt with "THE BUREAUS **** and do not have a contract with convergent. They do not provide me any original documents or application like I have asked. I was not able to file a complaint due to a consistency of incompliance of the company to validate the debt that does not belong to me.Business Response
Date: 08/23/2022
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 11/27/2015.The last purchase on the account was in the amount of $11,995.33 on 11/30/2015. The last payment on the account was in the amount of $338.00 on 07/27/2016 the account charged off on 09/30/2016 in the amount of $13,129.67. The Bureaus, *** does not have any affiliation with Convergent.
Attached to this response are the supporting documents provided to us ************ N.A.. The documents include the application,card member agreement, charge off statement, and a letter from ************ N.A.. 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 ******** ************************, 174 F.3d 394 (4th Cir.1999) which sets the standard for debt validation under 15 USC ****g Sec.809(b).
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.Initial Complaint
Date:08/16/2022
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
This is a formal complaint against THE BUREAUS *** located in **********, **. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the ***** Despite my efforts to resolve this unfortunate nightmare for several months now, THE BUREAUS *** has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon. As previously stated, this credit reporting agency is reporting erroneous, derogatory information about me to which is killing my credit & my Professional image. They've refused to send any proof of their claim because they have none since this account has never even existed. Therefore, my only wish is to have them permanently remove the inaccuracies that Ive disputed from my credit file immediately.Business Response
Date: 08/24/2022
Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ************ ******************** account opened on 08/09/2017. The last purchase on the account was in the amount of $445.50 on 08/10/2017. The last payment on the account was in the amount of $29.58 on 07/19/2018 the account charged off on 02/28/2019 in the amount of $492.66.
We sent validation documents provided to us by ************ ******************** in March 2022, April 2022, and again in June 2022. 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 ******** ************************, 174 F.3d 394 (4th Cir.1999) which sets 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 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.Initial Complaint
Date:08/16/2022
Type:Billing IssuesStatus: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 BANKEXP and I do not have a contract with THE BUREAUS *** plus they did not provide me with the original application like I asked. I demand this account to be deleted from my credit report.Business Response
Date: 08/24/2022
Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ********************* account opened on 01/04/2019.The last purchase on the account was in the amount of $45.52 on 07/28/2019. The last payment on the account was in the amount of $62.00 on 01/20/2020 the account charged off on 07/31/2020 in the amount of $1,375.16.
Previously sent documents provided to us ********************* included the card member agreement, billing statements and a letter from *********************. Informing JAIYEOLA, OLUFUNMI that account number5780971116370914 was sold to BUREAUS 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 ******** ************************, 174 F.3d 394 (4th Cir. ****) which sets the standard for debt validation under 15 USC ****g Sec. 809(b).
We have also attached the application again, per your request.
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, Inc. also expressly reserves all of its rights and defense.Initial Complaint
Date:08/12/2022
Type:Order IssuesStatus: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 01 COMENITY BANK with and I do not have a contract with THE BUREAUS plus they did not provide me with the original application like I asked.account number: *********amount disputed: $2,842Business Response
Date: 08/24/2022
Please accept this as our response to ****************** inquiry concerning the account ending in ****. The account ending in **** was originally a **** ****** account underwritten by ************* and opened on October 16, 2004. The last payment was made on October 2, 2019 in the amount of $41.00. The account charged off on May 31, 2020 in the amount of $2,769.96. Attached to this response are the supporting documents provided directly to us by *************.
The documents previously provided include the card member agreement, the last 18 months of billing statements, a letter from ************* informing *************** that the account ending in **** was sold to our client Bureaus **************** Portfolio No. 15, LLC. and an affidavit of sale for the account ending in ****.
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 ******** v.
**********, 174 F.3d 394 (4th Cir. ****) which sets 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. 1681,U.S. ****************** legislation enacted to promote the accuracy, fairness,and privacy of consumer information contained in the files of consumer reporting agencies.
Nothing in this response may be construed as an admission of wrongdoing or liability, which TBI expressly denies. TBI also expressly reserves all of its rights and defenses.
The Bureaus, Inc. is BBB Accredited.
This business has committed to upholding the BBB Standards for Trust.
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