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:06/23/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I'm not liable for this debt with ***************************** I do not have a contract with First Financial Resources *** (FFR),they did not provide me with the original contract as I requested.

  

  Business Response

  Date: 06/24/2025

  Mr. ********** account was turned over to our collection agency on 4/29/2024. We have attempted to contact him numerous times by phone and mail; he never responded to us. Because Mr. ******** has had no communication with our office prior to this complaint; we placed a derogatory **** on his credit report on 8/1/2024. We are happy to help Mr. ******** resolve his account; he can contact our office at ************. Thank you!

• Initial Complaint

  Date:06/07/2025

  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 with **********************, I do not have a contract with first financial resources ***** they did not provide me with the original contract as i requested

  

  Business Response

  Date: 06/10/2025

  Mr. ******** account was turned over to our collection agency on 9/23/2024. Our first conversation with Mr. ****** was on 10/21/2024, where he stated that he was aware of the balance but there was nothing he could do about it at that time. We spoke with him again on 10/2/2024, after we explained the purpose of our call, he requested that we call back at another time. On 1/24/2025, Mr. ****** verified that we were speaking with him then when we explained why we were calling he hung up the phone. Mr. ****** has never asked for validation of the debt prior to this complaint. We will send Mr. ****** validation of this debt. Once he receives and reviews the documentation, we recommend that he contact our office so we can help him resolve his account. Thank you!

  Customer Answer

  Date: 06/11/2025

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 
  
  Regards,
  
  ****** ******

• Initial Complaint

  Date:06/03/2025

  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 with this debt of ******* Imaging of ******. Why? Because i never signed a Contract with First Financial Resources

  

  Business Response

  Date: 06/04/2025

  Mr. ******** account was turned over to our collection agency by our client on 11/15/2024. Mr. ****** is liable for paying the outstanding balance as he received from our client. We have attempted to contact Mr. ****** numerous times, but he has not responded to any of our communication until most recently. On 6/3/2025, Mr. ****** contacted our office stating that he would like to set up a payment plan. We provided him with the payment options, and he stated that he would call us back. We are happy to help Mr. ****** resolve his account. Thank you!

  Customer Answer

  Date: 06/04/2025

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  [You must provide details of why you are not satisfied with this resolution.  If you do not enter a reason for your rejection, your complaint will be closed as Answered.]
  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  ******. The reason that i dont accept the response is cause i  checked my credit scores and i see their name. And i said im going to find them on ****** so i can call them to see if the debt is mine to set a payment plan with them but when i talked to them i noticed i dont recognize them and never signed any paperwork with them so i told them ill call you back. And decided to write a complaint to BBB. I want them to show me prove that i signed a contract with them

   

   

  

  Business Response

  Date: 06/10/2025

  As requested by Mr. ******* we will obtain a detailed invoice as well as signed documentation from our client and provide that to him. Once he reviews the documents, we recommend that he contact our office to resolve his account. Thank you!

  Customer Answer

  Date: 06/12/2025

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. I do not accept their response since they are trying to send me signed papers from the original owener of the debt which is Shield Imaging Of ****** and i called Shield imaging of ****** to make a patment plan and they said they are not in sharge of that debt anymore. They told me is First Financial Resources. But i didnt signed any paper with First Financial Resources. They are trying to send me signed papers from Shield imaging of ****** but those signed papers will say that i did a contract with ************** of ******. Not with First Financial Resources. Idid signed those papers with ************** of ****** because they are the original owener of that debt but if i need to pay First Financial Resources im willing to pay to them in a payment plan but i need prove that i did a contract and show prove that i signed that contract with First Financial Resources and not with Shield Imaging Of ******. Besides that  by Law they are not supposed to report any medical debt to the credit bureau. Thats the Law according to CFPB

  [You must provide details of why you are not satisfied with this resolution.  If you do not enter a reason for your rejection, your complaint will be closed as Answered.]
  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  ******

   

   

• Initial Complaint

  Date:05/06/2025

  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.

  May 2025, I received a credit monitoring alert that a ********************* had been placed. Debt listed under First Financial Resources. I immediately contacted FFR to dispute the claim and to request information.What followed was a circular, evasive, and condescending interaction with their representatives, who refused to offer meaningful assistance. FFR alleges the derogatory **** stems from an ambulance bill dated April 2023a bill I had never received, nor was I ever made aware of until the credit damage was already done.I had not been notified about any debt prior to this credit report entry. Despite this, they claimedwithout evidencethat they had contacted me "several times."Upon further inquiry:FFR could not provide a single instance of successful, documented, or legal contact.They admitted on a recorded line that they had no valid phone number, email address, or physical address for me.The text messages they claim to have sent were to a 20 year old girl. Thanks google!The email address they used was not mine and had no identifiable relation to me.They never mailed any notification via **** or any other traceable service as legally required.This is the first and only contact I have ever had with this agency, and it occurred because I initiated it in response to credit damage they caused.(FDCPA), 15 U.S.C. 1692 et seq. FFR has violated multiple provisions of the ****** including but not limited to: 1692e(8), 1692g(a), 1692d, 1692e(10) And FCRA 15 U.S.C. 1681 et seq. 1681s-2(a), 1681s-2(b), 1681i(a)(5)CFPBs Regulation F (12 CFR *******), mandates that debt collectors must provide a validation notice and give the consumer an opportunity to dispute the debt before furnishing any information to credit bureaus.Their conduct is unprofessional and unethical and in clear violation of countless state and federal laws.They need to remove the negative **** and undo the damage the caused and FOLLOW THE ****

  

  Business Response

  Date: 05/07/2025

  Mr. ******* account was turned over to our collection agency on 3/10/2025, prior to placing the derogatory **** on his credit report we attempted to contact him numerous times by mail, phone, and email. These methods of contact were provided to us by our client. Mr. ***** did not respond to any of our collection efforts. Due to his lack of communication, we reported his account to the credit bureaus. On 5/6/2025, Mr. ***** contacted our office and requested additional information regarding his account. We have mailed the validation to the physical address provided on this complaint as it is the same address we received from our client when the account was turned over to us. We advised Mr. ***** to contact his insurance as they should reprocess the claim that is on file which in turn would cover a portion if not all of the balance for Mr. ****** We also informed Mr. ***** that we will be removing the **** from his credit report once his account is resolved. Since Mr. ***** requested in this complaint that he does not want us to contact him again, we will no longer be contacting him by mail, phone, or email. If he has any questions, he can contact our agency at ************* Thank you!

  Customer Answer

  Date: 05/09/2025

  I am writing to formally respond to the deceptive and false statement made by First Financial Resources in connection to an alleged debt and their illegal and unethical attempt to collect on it.
  
  1. False Claims of Contact and Legal Notification
  First Financial Resources has claimed that it attempted to contact me numerous times by mail, phone, and email. This is a deliberate falsehood. No such contact was ever received by me via any legally recognized means. When I called First Financial on May 6, 2025 the first time I ever became aware of the existence of either the debt or the company I was informed that their alleged attempts to contact me were made using a phone number I have never seen, an email address I do not own or recognize, and an address that has yielded no mail or verification whatsoever.
  
  To reiterate:
  No Debt Validation Notice was sent to my correct address, in violation of 15 U.S. Code 1692g (*****), which requires that a debt collector send written notice within five days of initial communication. No such communication occurred.
  
  Attempting to text or email unverifiable, inaccurate contact information does not satisfy the legal requirement to notify a consumer. Trying is not the same as doing.
  
  This failure to provide proper notification invalidates any right you believe you have to report derogatory information to credit reporting agencies. Doing so in the absence of verified consumer notification is a direct violation of the Fair Debt Collection Practices Act (*****) and the Fair Credit Reporting Act (FCRA).
  
  2. Admission of Unverified and Incorrect Information
  Your written admission that your company used contact information provided by the client without verifying its accuracy is an egregious violation of your statutory duty under:
  15 U.S. Code 1692e prohibiting false, deceptive, or misleading representations.
  15 U.S. Code 1681s-2(b) requiring a data furnisher to verify the accuracy of information provided to a credit reporting agency once a dispute is lodged.
  By using completely inaccurate and unverified contact information to pursue this debt and by failing to provide any legally mandated written communication First Financial has violated both federal and (likely) applicable state consumer protection laws.
  
  3. Illegal Reporting of Derogatory Information
  The reporting of this account to the credit bureaus, under these circumstances, constitutes:
  Defamation under ****, as it misrepresents a consumers obligation when no proper notice, validation, or verification was provided;
  
  A willful violation of FCRA, 15 U.S. Code 1681n, making your company potentially liable for statutory, actual, and punitive damages, as well as legal costs and attorneys fees.
  Your own representatives confirmed, on a recorded call, that you never verified my identity, never received a response from your text messages or emails, and never mailed any communication that I received. That is the textbook definition of willful noncompliance.
  
  4. Extortion and Hostage Practices
  Your claim that you will remove the mark once the account is resolved is nothing short of credit extortion. It implies that until I pay a debt I was never properly informed of, you will continue to damage my credit. This violates:
  15 U.S. Code 1692d harassment or abuse;
  15 U.S. Code 1692e(8) communicating credit information known or which should be known to be false.
  Furthermore, your false assertion that I requested no further contact is an outright lie. I demanded a debt validation notice, which is a formal request for further contact as required by 15 U.S. Code 1692g(b). Misrepresenting a consumers statements on a recorded line to justify cutting off legally required communications is yet another ***** violation.
  

  Your false claim that Mr. ***** requested in this complaint that he does not want us to contact him again is a boldfaced lie and a deliberate misrepresentation of fact.

  Let me make this perfectly clear: the entire conversation is recorded. At no point did I state that I did not want to be contacted. What I requested explicitly and unequivocally was debt validation, which under federal law is not only my right but also a clear and direct request for further communication from you to satisfy your statutory obligations under the Fair Debt Collection Practices Act (15 U.S. Code 1692g).
  Your assertion that my request for debt validation equates to a do not contact demand is a deliberate distortion of the truth and a pathetically transparent attempt to avoid accountability. It is also further evidence that you are not operating in good faith and have no interest in resolving this matter lawfully.
  
  Your lie serves one purpose: to fabricate a defense for your ongoing failure to validate the debt, your illegal reporting to the credit bureaus, and your blatant disregard for compliance obligations.
  

  So let me be clear:
  

  Lying about a consumer's statements especially when those statements are recorded is fraudulent behavior and exposes your organization to substantial legal liability.
  You are not only in violation of 15 U.S. Code 1692e (false or misleading representations), but you are actively manufacturing false documentation to justify your misconduct. This is textbook consumer fraud and willful noncompliance with federal law.

  
  Your declaration "We will no longer be contacting him by mail, phone, or email." is not only a brazen confession of noncompliance but a clear forfeiture of any alleged claim you think you have.
  
  Let me be unequivocally clear:
  You never contacted me to begin with.
  There was no mailed notice. No phone call. No voicemail. No email. No legally sufficient effort not one to comply with your obligations under 15 U.S. Code 1692g (*****) to provide a written debt validation notice within five days of initiating any alleged collection activity.
  Instead, you now attempt to deflect accountability by stating you will no longer contact me. This is absurd. You cannot cease doing something you never did. This is the equivalent of declaring you will no longer *** ***** after never entering one it's meaningless, self-serving, and irrelevant.
  But more importantly, your statement renders the alleged debt legally void. You have publicly and in writing confirmed that you will not legally or properly engage with the consumer a fundamental and required action under the law. This is a willful abandonment of your statutory duty, and as such, you have forfeited all rights to pursue, collect, or report this debt.
  Your refusal to engage in a lawful debt validation process is not a loophole it is evidence of fraud, of bad faith, and of malicious intent to harm a consumers credit without due process.
  

  Your claim that you attempted to contact me by mail, phone, and email is not only vague and unsubstantiated it is legally worthless. An attempt is, by definition, a failed effort. It is not contact. It is not notice. And it absolutely does not satisfy your obligations under the Fair Debt Collection Practices Act (*****) or the Fair Credit Reporting Act (FCRA).
  
  Lets use your own logic: Attempting to climb ************* does not mean you actually climbed it. Likewise, attempting to contact someone does not mean you contacted them it means you failed.
  
  So thank you sincerely for this admission. Youve just confirmed that:
  You never actually contacted me in any verifiable or legal manner.
  You never properly notified me of the alleged debt.
  You never provided validation or documentation of any kind.
  You still cannot prove who your so-called client even is.
  
  And despite all that, you took it upon yourself to damage my credit based on hearsay and zero evidence.
  Thats not a mistake thats a blatant violation of every standard, statute, and regulation you are legally bound to follow. You have now placed yourself squarely in violation of 15 U.S. Code 1692g and 1681s-2(b), and I will not hesitate to pursue full legal and regulatory recourse against you.
  
  Remove the fraudulent trade line from my credit report immediately, or prepare to explain your misconduct to a judge, the ***** and every relevant state and federal authority I can involve.
  
  Youve crossed the line. Now fix it.

  First Financial Resources is hereby formally instructed to:
  Immediately remove any and all derogatory marks or tradelines placed on my credit reports;
  Cease and desist all collection activity unless and until you provide a proper debt validation notice to the correct, verified mailing address;
  Provide a full forensically auditable record of all communications and contact attempts, including the physical addresses, phone numbers, and email addresses used, along with timestamps and method of delivery;
  Disclose the name and contact information of the original creditor and their full records related to this account.
  
  Failure to comply will result in immediate escalation, including but not limited to:

  Filing for injunctive relief in civil court for violations of the ****** FCRA, and state consumer protection laws;
  Seek statutory, actual, and punitive damages for your willful disregard of federal law and malicious interference with my creditworthiness.
  Formal complaints to the Consumer Financial ***************** (****);
  Filing of a complaint with the ************************ (***) and State Attorney Generals Office;
  A lawsuit filed in state and/or federal court for violations of the ***** and ****, including claims for statutory damages, actual damages, and punitive damages for malicious and/or grossly negligent conduct.
  

  Your disregard for the law and the rights of consumers is now documented. You have until May 16, 2025, to correct this violation or face full legal consequences

  Regards,

  *******

   

   

  

  Business Response

  Date: 05/13/2025

  Dear *** *****, 

  While we do not agree with your assertions and maintain that our actions were conducted in accordance with applicable laws and industry standards, as a courtesy and in the interest of resolving this matter amicably, we have submitted a request to the credit reporting agencies to remove the tradeline in question from your credit report.

  This action is not an admission of wrongdoing or liability, but rather a gesture intended to bring this matter to a close.
  

  We now consider this issue resolved. No further communication or action is necessary on either side. We respectfully request that you also consider this matter closed, and that we part ways without further dispute.
  

  We wish you the best moving forward.

  Thank you!

  Customer Answer

  Date: 05/20/2025

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********.

  The most recent correspondence is yet another example of your continued failure to act lawfully, truthfully, or responsibly. Lets break it down clearly:
  

  While we do not agree with your assertions
  

  Your "disagreement" is irrelevant. My assertions are based entirely on federal law, documented correspondence, and your own repeated failures. The procedures for debt validation, notice, and credit reporting are not open to interpretation they are dictated by the ***** and ****. You did not follow them. That is not an opinion; it is an undeniable, recorded fact.
  

  We have submitted a request to the credit reporting agencies to remove the tradeline
  

  It is now May 20, 2025 seven (7) full business days since your original claim that you submitted this request and the tradeline remains on my credit report. You have produced no proof that any such submission occurred. As such, I now demand:

  Time-stamped documentation showing exactly when, how, and to whom the request was submitted.

  Confirmation numbers or receipts from each credit bureau.
  
  Proof that your company is following through, not just fabricating appeasement language.
  
  If this documentation is not provided, I will consider your claim as a knowing and willful falsehood intended to delay and mislead in violation of multiple consumer protection statutes.
  
  No further communication or action is necessary on either side.
  
  Absolutely not. You do not get to unilaterally declare this matter closed while my credit remains damaged by your unlawful actions. That sentence is nothing more than an attempt to dodge responsibility and cut off liability.
  
  Let me be unequivocal: this matter is not resolved, and communication from me will continue until it is in writing, by documentation, and with complete transparency.
  
  Let me also remind you of your prior deceitful claim that:
  Mr. ***** requested in this complaint that he does not want us to contact him again.
  
  That was a lie, and you know it. At no point did I ever say I did not want contact verbally or in writing. Reminder: The call was recorded. Fully. On both sides. I explicitly requested debt validation, which is a direct and clear demand for communication and documentation. You attempted to weaponize a false narrative to avoid your legal obligations and now, having failed to gaslight me into silence, you have the audacity to request that I stop contacting you?
  
  That is laughable. FFR doesnt get to s**** up this badly, fabricate claims about my intent, then demand silence once they become uncomfortable with someone asserting their legal rights.
  
  I will stop contacting you only when this matter is fully and properly resolved. Until then, you will continue to hear from me, and if necessary from the courts and regulatory bodies tasked with keeping companies like yours in check.
  
  To reiterate, this is what is now required of you:
  
  Full and complete removal of the tradeline from all credit bureaus as you committed to doing and claim has been done confirmed in writing with evidence.
  
  A formal letter voiding the alleged debt in its entirety, including removal from internal and third-party systems.
  
  A correction to my credit score with all three major bureaus to reverse the unjustified damage caused.

  Regards,

  *******

   

   

  

  Business Response

  Date: 06/03/2025

  As stating in our previous response, FFR notified all three credit bureaus on 5/13/2025 at 11:01am, tracking number: ********, to remove the tradeline from Mr. ******* credit report. If the tradeline is still appearing on his credit report, we recommend that he contact the credit bureaus as we have no control of the processing of our requests; it is now in the hands of the credit bureaus. Thank you! 

  Customer Answer

  Date: 06/06/2025

  Dear FFR,
  
  Your latest reply dated June 3rd, 2025 only further demonstrates your unwillingness to provide legitimate documentation and your continued pattern of evasive behavior.
  You claim that you submitted a request on May 13, 2025 at 11:01 AM to remove the tradeline, and reference tracking number: ********.

  Let me be abundantly clear:

  That tracking number appears to be completely fabricated or meaningless.
  
  Credit reporting agencies do not use a publicly verifiable tracking number system like a shipping carrier would. Instead, they process trade line data through secure data furnaces like e-Oscar, Metro 2, or proprietary internal interfaces, each of which generates system-specific confirmation codes, not generic tracking numbers that can be faked and thrown around in emails.
  
  You know this. You are a debt collection agency. You work with these systems daily. So why are you pretending otherwise?
  
  My request remains unchanged and unmet:
  
  You have not provided:
  - Screenshots or digital receipts from Experian, Equifax, and ********** showing the tradeline removal request was actually submitted.
  - Timestamped documentation confirming submission, acknowledgment, and/or removal requests through e-Oscar or Metro 2 or whatever interface you used.
  - Confirmation from the credit bureaus that they received and accepted your request.
  - A formal letter from First Financial Resources voiding the alleged debt in its entirety, including: Its removal from all internal databases; The permanent cessation of all collection attempts; and confirmation that no third-party recovery agency is or ever will be involved.

  Instead, you provided a string of words, a non-verifiable tracking number, and a shrug, as if its now my job to chase down your failure. Thats not how this works. I didnt place the derogatory **** on my credit. You did. You are responsible for cleaning up the mess. You do not get to hand it off and walk away and you especially do not get to deflect the remediation efforts necessary onto me as the consumer (aka: your victim) unless you are paying my hourly rates, which for your company would be $885.42/hr with a minimum of 80 hours.

  Until you provide verifiable proof of action and full resolution, I consider this issue very much unresolved.
  
  Regards, 
  ******* *****

• Initial Complaint

  Date:04/17/2025

  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 honestly dont get why FIRST FINANCIAL RESOUR is reporting this debt under my name because I dont owe them anything. I never signed anything with them, and when I asked for a copy of the original application, they didnt even bother to provide it. Its frustrating because this is hurting my credit for no reason, and its just not fair. How can they just put something on my report without any proof?Account No: ***** Amount Disputed: $1284

  

  Business Response

  Date: 04/18/2025

  After reviewing the account in our system with the information Ms. ****** provided in her dispute. We have determined that the account is in fact for her as we have the same name, date of birth, and address in our system. We will be providing Ms. ****** with validation of her debt and we will be updating the credit bureaus to show that she is currently disputing her account. Please contact us at ************ if you have any questions. Thank you!

• Initial Complaint

  Date:03/18/2025

  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.

  First financial resources has sent me to collections for a bill for the **************************. I have absolutely no knowledge of this account whatsoever. I am not currently enrolled in a college course or program and have no signed contracts with said college. I do believe however this account (*************************) may have been opened fraudulently by another persons that used my information illegally.

  

  Business Response

  Date: 03/20/2025

  While we investigate this matter further with our client, FFR will be removing the derogatory **** from Mr. ******* credit report as a courtesy. This is no admission of wrongdoing. As soon as we have more information we will reach out. Thank you! 

• Initial Complaint

  Date:03/07/2025

  Type:Billing 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 received a collection from this company on my credit report. The original creditor is ************************** in **********. I live in **** and have never been in ********** in my life. I would like this taken off of my credit report.

  

  Business Response

  Date: 03/11/2025

  While we are investigating this matter further with our client, we will be removing our **** from Mr. ****** credit report. Please contact us at ************ if you have any questions. Thank you!

   

  Customer Answer

  Date: 03/11/2025

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 
  
  Regards,
  
  ***** ****

• Initial Complaint

  Date:02/18/2025

  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.

  This letter serves as formal notice that I dispute the validity of the alleged debt that FST Financial Resources is attempting to collect in relation to Account No. *********, purportedly on behalf of **************************. Additionally, I have discovered that your company has already reported this debt to the credit bureaus, despite lacking the legal authority to do so under Massachusetts law and the Fair Credit Reporting Act (****), 15 U.S.C. 1681s-2.Violations. Your company is knowingly reporting inaccurate and unverifiable information to ***'s, constituting a direct violation of FCRA 15 U.S.C. 1681s-2(b), which requires furnishers to ensure information is accurate, complete, and verifiable.FST Financial Resources is not registered with the Massachusetts Division of Banks (DOB), making your debt collection and reporting activities illegal.Your reporting of unverified information is causing financial harm, damaging my credit score, and exposing your company to civil liability.Under the Fair Credit Reporting Act (FCRA) 15 U.S.C. 1681n, you may be held liable for actual damages, statutory damages of up to $1,000 per violation, punitive damages, and attorneys fees for willful noncompliance. ************************************************************************* is not licensed with the Massachusetts Division of Banks, which is required under Mass. ************* 93, 24A. Your attempts to collect and report this debt are therefore unlawful, violating:Mass. ************* 93, 24A (Debt collector licensing requirement)Mass. ************* 93, 49 (Unfair and deceptive practices)940 CMR 7.00 (Unlicensed collection is an unfair/deceptive act under Ch. ***)Because your company is not registered, you have no legal standing to collect or report this debt, making your reporting a fraudulent and deceptive trade practice under Massachusetts Consumer Protection Law (Ch. 93A).

  

  Business Response

  Date: 02/19/2025

  Mr. ******* account was turned over to our collection agency on 1/4/2024. We have contacted him numerous times by mail and phone, but he has not responded to any of our collection efforts. The demographic information that Mr. ***** provided in this complaint matches the demographic information on our account. Due to his lack of communication with our agency, we placed a derogatory **** on his credit report on 4/1/2024. We have been updating the **** on a monthly basis. With regards to Mr. ***** stating that we are not registered with the **** that information is false. We are a licensed collection agency for the state of ************* and all of our information can be found on the **** website. Once Mr. ***** resolves his account, we will update his credit report. Thank you!

  Customer Answer

  Date: 02/26/2025

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  I am writing in response to your claim that your company is a licensed debt collection agency in the state of *************. After reviewing the official Massachusetts Division of Banks' list of licensed debt collectors as of December 31, 2024, I was unable to find "FST Financial Resources" listed as a registered entity.

   Under Massachusetts General Laws Chapter 93, Section 24A, debt collection agencies operating within the state are required to be licensed by the *******************************. Your failure to appear on the official registry suggests that you are conducting debt collection activities without proper authorization, in direct violation of state law.

  Furthermore, under Massachusetts General Laws Chapter 93A and 940 CMR 7.00, unlicensed collection activity constitutes an unfair and deceptive trade practice, exposing your company to legal and financial penalties. Additionally, any reporting of this alleged debt to credit reporting agencies while operating without proper licensing may also constitute willful noncompliance with the Fair Credit Reporting Act (FCRA) 15 U.S.C. 1681s-2(b), subjecting your company to statutory damages, punitive damages, and attorneys fees.

  Given this information, I demand the immediate removal of the derogatory **** placed on my credit report, as your company lacks the legal authority to collect or report this debt.

  I will now escalate this issue by filing formal complaints with the *******************************, the **************************************, the Consumer Financial ***************** (****), and the ************************ (***) for deceptive and unlawful collection practices.

  This serves as formal notice of your legal violations and my continued dispute of this debt. Please confirm in writing that you will cease all collection efforts and remove the credit reporting entry immediately.
  

  I have included a copy of the Massachusetts Division of Banks' list of licensed debt collectors in this response as well.
   
  
  FAQ
  
  Regards,

  *******

   

   

  

  Business Response

  Date: 03/04/2025

  Mr. ******* allegations that we are not a licensed collection agency within the state of ************* is completely false. On the attachment, that he is providing, our organization is listed on row 222. We believe that Mr. ***** is making false accusations to try to scare us into closing his account and remove our **** from his credit report. That will not be happening as Mr. ***** has a legitimate debt that is owed to our client. Mr. ***** has yet to dispute that he owes the balance therefore we will proceed with our collection efforts. We are happy to update his credit report once he pays the balance in full. 

  Customer Answer

  Date: 03/04/2025

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  I am writing in response to your latest reply regarding my complaint. While I acknowledge that your company is listed on the Massachusetts Division of Banks' roster of licensed debt collectors, this does not change the fact that I do not recognize or owe the alleged debt in question.

  Your response has failed to provide any documented proof that this debt is legally mine, nor have you met the verification requirements under the Fair Debt Collection Practices Act (*****), 15 U.S.C. 1692g. Merely asserting that I owe the debt does not constitute sufficient validation. I once again demand that you provide the following:

  A copy of the original agreement bearing my signature, demonstrating my obligation to this debt.
  A complete itemized accounting of the alleged debt, including any payments made, interest charged, and fees assessed.
  Documentation proving your legal right to collect this debt, including the chain of title from the original creditor to your agency.

  Until you provide valid proof that this debt belongs to me, I consider this matter unresolved, and I continue to dispute the legitimacy of your claims. Any further collection efforts without proper validation may constitute violations of the ***** and state consumer protection laws.

  Furthermore, your suggestion that I am engaging in "scare tactics" is completely unfounded. This is far from a scare tacticthis is a structured administrative process that I have followed in good faith to resolve this matter. Having provided you with multiple opportunities to prove your claim, this third letter serves as my final notice before I escalate this matter to a civil complaint. If you wish to defend your claim in court over a balance that is not mine and cannot be proven to be mine, so be it. I have done my due diligence in attempting to resolve this dispute amicably.

  Additionally, this matter has already been formally filed with the Consumer Financial ***************** (****), and I will continue escalating my complaints with the **************************************, and the ************************ (***). If this alleged debt is related to medical services, I remind you that recent **** regulations prohibit the reporting of medical debt on credit reports. Massachusetts Attorney General ****** ******** has also introduced state measures preventing medical debt from being used to impact credit scores. Any continued reporting of such debt may be a violation of these consumer protection laws and subject your company to further penalties.

  Given the absence of any verifiable proof that this debt is mine, I demand that you immediately cease all collection efforts and remove any derogatory marks related to this debt from my credit report. I will not tolerate any further attempts to collect an unproven debt, and I am fully prepared to escalate this matter to legal action, including filing a civil complaint against your company.

  This serves as my continued dispute of this debt and my final formal notice before further legal action is taken. Failure to resolve this matter will result in litigation. Please confirm in writing that you will cease all collection activities and remove this erroneous reporting from my credit file.
  
  
  FAQ
  
  Regards,

  *******

   

   

• Initial Complaint

  Date:02/18/2025

  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 ****** styling Institute. I do not have a contract with First Financial Resource. They did not provide me with the original contract. I demand this account be removed from credit report.

  

  Business Response

  Date: 02/19/2025

  Mr. ********** account was entered into our system on 9/3/2024. We have contacted him numerous times by phone, mail, and email but have not received a response from him. On 9/6/2024, 10/10/2024, 10/14/2024, 10/16/2024, he opened the email that was sent to him but he did not take any action to resolve his account. Mr. ******** has never requested validation of his debt prior to this complaint. We will be providing him with the validation. We recommend that once he reviews the documentation, he should contact our agency so we can help him resolve his account and get his credit report updated. Thank you!

  Customer Answer

  Date: 02/19/2025

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. I am rejecting this response because: The information is incorrect. I have no knowledge of this debt. The debt does not belong to me. My Personal information has been misused. I am currently speaking to resolve this matter. By law a validation letter should have been sent in 2024 and never was because the debt does not belong to me. Moving forward I request this debt be removed from my credit report and cease and desist all communications from collections.

  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  Demaurion

   

   

  

  Business Response

  Date: 02/25/2025

  If Mr. ******** feels that this debt does not belong to him, we recommend that he file a police report and send us a copy of the document so we can forward it to our client. Thank you!

• Initial Complaint

  Date:02/14/2025

  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.

  First Financial Resources, *** has called me multiple times without sending any information regarding the alleged debt or leaving any helpful information in a voicemail. I receive multiples calls per day from them from different phone numbers. I called today and they asked to speak with someone who was not me.

  

  Business Response

  Date: 02/19/2025

  After reviewing the information in our system, we have determined that we were contacting Ms. ***** in error, we are looking for a different individual. We have removed her phone number from our system. Ms. ***** contacted our agency on 2/14/2025, we confirmed that we were removing her phone number that day. We have not called her phone number, **************, since 2/14/2025. Thank you!

  Customer Answer

  Date: 02/19/2025

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 
  
  Regards,
  
  ******* *****