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:12/08/2023

  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 *********** NATIONAL ASSOCIATION. I do not have a contract with The Bureaus, Inc. They did not provide me with the original contract as I requested.

  

  Business Response

  Date: 12/11/2023

  The Bureaus, *** is a debt collector. Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ************ ******************** account opened on 11/10/2020.The last purchase on the account was in the amount of $15.27 on 06/25/2022. The last payment on the account was in the amount of $305.00 on 04/19/2023 the account charged off on 04/25/2023 in the amount of $1,164.15.
  Our records do not indicate we ever received a request for an original contract.
  Attached to this response are the supporting documents provided to us by ************ ********************. The documents include the card member agreement, billing statements and a letter from ************ ********************  informing *****************************  that account number **************** was sold to ******************** INVESTMENT GROUP PORTFOLIO NO 15 LLC.
  The federal debt collection rule requires debt collectors provide consumers with certain information about their debt, known as validation information. An original contract is not required validation information.
  The information we are providing meets the requirements based on the standard set by the 3rd, 4th, 8th, 9th and 10th Circuit Court cases which set the standard for debt validation under 15 USC ****g Sec.809(b). We hope this answers your questions regarding this debt, however if you still require additional information, please feel free to contact us. We hope the enclosed verification documentation will bring a resolution to this dispute.
  The credit information furnished by the Bureaus, *** meets the requirements set by the Fair Credit Reporting Act (FCRA), 15 U.S.C. ****, U.S. ****************** legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. For more information about Credit Reports, Scores, and the Fair Credit Reporting Act (FCRA) 15 U.S.C. ****, you can visit *************************************************************************.
  Nothing in this response may be construed as an admission of wrongdoing or liability, which The Bureaus, Inc. Expressly denies. The Bureaus,***. also expressly reserves all of its rights and defense.

• Initial Complaint

  Date:11/27/2023

  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.

  i am not liable for this debt with ********************* I do not have a contract with The Bureaus, **** and they did not provide me with the original contract as i requested

  

  Business Response

  Date: 11/28/2023

  The Bureaus, *** is a debt collector. Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a **************** ****** ******************** account opened on 12/29/2015.The last purchase on the account was in the amount of $4.89 on 06/16/2018. The last payment on the account was in the amount of $25.00 on 06/02/2018 the account charged off on 01/28/2019 in the amount of $1,018.80.
  Attached to this response are the supporting documents provided to us by **************** ****** ********************. The documents include the card member agreement, billing statements and a letter from **************** ****** ********************  informing ***************************** III 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.
  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.
  

  Customer Answer

  Date: 12/13/2023

   
  Complaint: 20923582
  
  I am rejecting this response because:

   

  Hello, In my initial complaint, I requested the original contact with ************ and I received a lot of documentation, but none of them showed my signature or the date signed. It honestly looks like a generic template they send out in mass. Secondly, on the presumed letter that notified me that the Bureaus **************** now owns my debt, the date is presented with the term on and about, which gives the company room to be inaccurate. And when making this dispute, that discrepancy can be important for my case, and it just so happens that the documentation that appears on my credit report differs from the date of March 15th that they provided.

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

  

  Business Response

  Date: 12/13/2023

  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.
  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:11/25/2023

  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 *********** National Associate, I do not have a contract with The Bureaus **** they did not provide me with the original contract as requested.

  

  Business Response

  Date: 11/27/2023

  The Bureaus, *** is a debt collector. Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ************ ******************** account opened on 01/03/2022.The last purchase on the account was in the amount of $181.65 on 02/17/2022. The last payment on the account was in the amount of $285.00 on 04/10/2023 the account charged off on 04/15/2023 in the amount of $749.96.
   
  Our records do not indicate we ever received a request for an original contract.
   
  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 ********************** **************** 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, Inc. also expressly reserves all of its rights and defense.
   
  Thank you,
   
  *********************
  The Bureaus, Inc.
  Compliance Manager
  *********************** Suite 370
  **********, ** *****

• Initial Complaint

  Date:11/24/2023

  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 to this debt with ************ I do not have a contract with The Bureaus. They did not provide me with the original contract as requested.

  

  Business Response

  Date: 11/27/2023

  The Bureaus, *** is a debt collector. 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 07/12/2016.The last purchase on the account was in the amount of $284.29 on 07/15/2016. The last payment on the account was in the amount of $25.00 on 12/21/2016 the account charged off on 07/31/2017 in the amount of $387.83.
  Our records do not indicate we ever received a request for an original contract.
  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 federal debt collection rule requires debt collectors provide consumers with certain information about their debt, known as validation information. An original contract is not required validation information.
  The information we are providing meets the requirements based on the standard set by the 3rd, 4th, 8th, 9th and 10th Circuit Court cases which set the standard for debt validation under 15 USC ****g Sec.809(b). We hope this answers your questions regarding this debt, however if you still require additional information, please feel free to contact us. We hope the enclosed verification documentation will bring a resolution to this dispute.
  The credit information furnished by the Bureaus, *** meets the requirements set by the Fair Credit Reporting Act (FCRA), 15 U.S.C. ****, U.S. ****************** legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. For more information about Credit Reports, Scores, and the Fair Credit Reporting Act (FCRA) 15 U.S.C. ****, you can visit *************************************************************************.
  Nothing in this response may be construed as an admission of wrongdoing or liability, which The Bureaus, Inc. Expressly denies. The Bureaus,***. also expressly reserves all of its rights and defense.
  

• Initial Complaint

  Date:11/23/2023

  Type:Order 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 ******************* of *****. I do not have a contract with The Bureaus *** they did not provide me with the original contract as I requested.

  

  Business Response

  Date: 11/27/2023

  The Bureaus, *** is a debt collector. 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 08/21/2018. The last payment on the account was in the amount of $35.00 on 11/05/2018 the account charged off on 06/28/2019 in the amount of $1,357.41.
  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 Minh ************  that account number **************** was sold to ********************** **************** Portfolio No 15 LLC.
  Thank you for attaching the identity theft report. We will forward the information you provided to the original creditor to investigate. In the interim of their investigation, we submitted a request to delete account from your credit report with each of the credit reporting agencies.
  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: 11/28/2023

   
  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:11/21/2023

  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 ************ I do not have a contract with The Bureaus trying to collect on this debt and I did not have a signed contract for payment, they did not provide me with the original contract as requested.

  

  Business Response

  Date: 11/27/2023

  The Bureaus, *** is a debt collector. 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 09/21/2016.The last purchase on the account was in the amount of $2.47 on 04/10/2017. The last payment on the account was in the amount of $25.00 on 07/05/2017 the account charged off on 12/04/2017 in the amount of $387.70.
  Our records do not indicate we ever received a request for an original contract.
  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 federal debt collection rule requires debt collectors provide consumers with certain information about their debt, known as validation information. An original contract is not required validation information.
  The information we are providing meets the requirements based on the standard set by the 3rd, 4th, 8th, 9th and 10th Circuit Court cases which set the standard for debt validation under 15 USC ****g Sec.809(b). We hope this answers your questions regarding this debt, however if you still require additional information, please feel free to contact us. We hope the enclosed verification documentation will bring a resolution to this dispute.
  The credit information furnished by the Bureaus, *** meets the requirements set by the Fair Credit Reporting Act (FCRA), 15 U.S.C. ****, U.S. ****************** legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. For more information about Credit Reports, Scores, and the Fair Credit Reporting Act (FCRA) 15 U.S.C. ****, you can visit *************************************************************************.
  Nothing in this response may be construed as an admission of wrongdoing or liability, which The Bureaus, Inc. Expressly denies. The Bureaus,***. also expressly reserves all of its rights and defense.
  

• Initial Complaint

  Date:11/21/2023

  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 *********** National Association.I do not have a contract with The Bureaus **** They did not provide me with original contract as I requested.

  

  Business Response

  Date: 11/22/2023

  The Bureaus, *** is a debt collector. Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ************ ******************** account opened on 08/28/2017.The last purchase on the account was in the amount of $271.79 on 12/22/2017. The last payment on the account was in the amount of $110.00 on 03/24/2018 the account charged off on 11/30/2018 in the amount of $834.68.
  Our records do not indicate we ever received a request for an original contract.
  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 Siera  ******  that account number **************** was sold to ******************** INVESTMENT GROUP PORTFOLIO NO 15 LLC.
  The federal debt collection rule requires debt collectors provide consumers with certain information about their debt, known as validation information. An original contract is not required validation information.
  The information we are providing meets the requirements based on the standard set by the 3rd, 4th, 8th, 9th and 10th Circuit Court cases which set the standard for debt validation under 15 USC ****g Sec.809(b). We hope this answers your questions regarding this debt, however if you still require additional information, please feel free to contact us. We hope the enclosed verification documentation will bring a resolution to this dispute.
  The credit information furnished by the Bureaus, *** meets the requirements set by the Fair Credit Reporting Act (FCRA), 15 U.S.C. ****, U.S. ****************** legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. For more information about Credit Reports, Scores, and the Fair Credit Reporting Act (FCRA) 15 U.S.C. ****, you can visit *************************************************************************.
  Nothing in this response may be construed as an admission of wrongdoing or liability, which The Bureaus, Inc. Expressly denies. The Bureaus,***. also expressly reserves all of its rights and defense.
  

• Initial Complaint

  Date:11/18/2023

  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 *********** national association, I do not have a contract with The Bureaus. They did not provide me with original contract as requested. I demand account be removed from my credit report.

  

  Business Response

  Date: 11/20/2023

  The Bureaus, *** is a debt collector. Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ************ ******************** account opened on 12/15/2017.The last purchase on the account was in the amount of $163.53 on 07/30/2019. The last payment on the account was in the amount of $5.62 on 05/24/2019 the account charged off on 03/31/2020 in the amount of $461.68.
  Our records do not indicate we ever received a request for an original contract.
  Attached to this response are the supporting documents provided to us by ************ ********************. The documents include the card member agreement, billing statements and a letter from ************ ********************  informing *********  *******  that account number **************** was sold to ******************** INVESTMENT GROUP PORTFOLIO NO 15 LLC.
  The federal debt collection rule requires debt collectors provide consumers with certain information about their debt, known as validation information. An original contract is not required validation information.
  The information we are providing meets the requirements based on the standard set by the 3rd, 4th, 8th, 9th and 10th Circuit Court cases which set the standard for debt validation under 15 USC ****g Sec.809(b). We hope this answers your questions regarding this debt, however if you still require additional information, please feel free to contact us. We hope the enclosed verification documentation will bring a resolution to this dispute.
  The credit information furnished by the Bureaus, *** meets the requirements set by the Fair Credit Reporting Act (FCRA), 15 U.S.C. ****, U.S. ****************** legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. For more information about Credit Reports, Scores, and the Fair Credit Reporting Act (FCRA) 15 U.S.C. ****, you can visit *************************************************************************.
  Nothing in this response may be construed as an admission of wrongdoing or liability, which The Bureaus, Inc. Expressly denies. The Bureaus,***. also expressly reserves all of its rights and defense.
  

• Initial Complaint

  Date:11/16/2023

  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 01 *********** National Associat, I do not have a contract with The Bureaus, **** they did not provide me with the original contract as I requested.

  

  Business Response

  Date: 11/20/2023

  Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a ************ ******************** account opened on 12/19/2019.The last purchase on the account was in the amount of $36.98 on 01/14/2020. The account charged off on 07/31/2020 in the amount of $320.23.
  Our records do not indicate we ever received a request for an original contract.
  Attached to this response are the supporting documents provided to us by ************ ********************. The documents include the card member agreement, billing statements and a letter from ************ ******************** informing *************************  that account number **************** was sold to ******************** INVESTMENT GROUP PORTFOLIO NO 15 LLC.
  The federal debt collection rule requires debt collectors provide consumers with certain information about their debt, known as validation information. An original contract is not required validation information.
  The information we are providing meets the requirements based on the standard set by the 3rd, 4th, 8th, 9th and 10th Circuit Court cases which set the standard for debt validation under 15 USC ****g Sec.809(b). Our investigation found the information you 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:11/16/2023

  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 CAPITOL ONE BANK USA 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: 11/20/2023

  Please accept this as our response to the complaint concerning file number *********, original account number ****************. The account was originally a **************** ****** ******************** account opened on 12/08/2008.The last purchase on the account was in the amount of $20.11 on 04/18/2018. The last payment on the account was in the amount of $150.00 on 04/23/2019 the account charged off on 11/27/2019 in the amount of $514.15.
  Our records do not indicate we ever received a request for an original contract.
  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 ********************** **************** Portfolio No 15 LLC.
  The federal debt collection rule requires debt collectors provide consumers with certain information about their debt, known as validation information. An original contract is not required validation information.
  The information we are providing meets the requirements based on the standard set by the 3rd, 4th, 8th, 9th and 10th Circuit Court cases which set the standard for debt validation under 15 USC ****g Sec.809(b). Our investigation found the information you disputed to be accurate.We hope this answers your questions regarding this debt, however if you still require additional information, please feel free to contact us. We hope the enclosed verification documentation will bring a resolution to this dispute.
  The credit information furnished by the Bureaus, *** meets the requirements set by the Fair Credit Reporting Act (FCRA), 15 U.S.C. ****, U.S. ****************** legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. For more information about Credit Reports, Scores, and the Fair Credit Reporting Act (FCRA) 15 U.S.C. ****, you can visit *************************************************************************.
  Nothing in this response may be construed as an admission of wrongdoing or liability, which The Bureaus, Inc. Expressly denies. The Bureaus,***. also expressly reserves all of its rights and defense.