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:08/11/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The ********************. Validation of debts [15 USC ****g] subsection (b)

  

  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 ************** account opened on 12/01/2015.The last purchase on the account was in the amount of $18.28 on 04/01/2016. The last payment on the account was in the amount of $269.00 on 03/18/2016 the account charged off on 11/09/2016 in the amount of $3,202.70.
  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.
  

• Initial Complaint

  Date:08/04/2022

  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 COMENITY CAPITAL BANK) and I do not have a contract with (THE BUREAUS) plus they did not provide me with the original application like I asked.Account No: ***** Amount Disputed: $460 MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNTS VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THAT THE ACCOUNTS WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS (FCRA).

  

  Business Response

  Date: 08/09/2022

  Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ********************* account opened on 08/10/2017.The last purchase on the account was in the amount of $25.00 on 03/30/2019. The last payment on the account was in the amount of $100.00 on 03/08/2019 the account charged off on 10/31/2019 in the amount of $460.66.
  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. The account application was completed online, a record of that information has also been included.
  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:07/30/2022

  Type:Delivery 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 get a person at my house to leave some court papers,I call the number in letter and not response, papers are not completely filled, I dont have any accounts or business with **** of ***** or investment groups portfolio 15. They ask for name of order person in the house. Papers was leave at door. Need to get help on what or how to respond. *********************

  

  Business Response

  Date: 08/03/2022

  On or about June 5, **************************************************************** ****. The last payment on the account was July 3, 2019 and the account was closed due to non-payment and charged off on November 29,2019. On December 10, 2019 First ************* of ***** assigned the account to The Bureaus **************** Portfolio No 15.
  The documents you received at your house were notification that you have been sued for $5,411.14 plus interest, court costs and any other relief to which the court may find The Bureaus **************** Portfolio No 15 entitled.
  The contact information for our attorney is also contained in the letter. We have notified ****************************, the firm the attorney works for, of your complaint.
  Attorney Contact Info:
  *******************************
  phone: ************
  email: *****************
  An alternative phone number to reach the lawfirm handling this matter is ************.
  We hope this response answers your questions and brings resolution to your complaint. Further inquiries should be directed to ************.
  This communication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose.
  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.