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:10/29/2024

  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 First Financial Resources. 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: 11/01/2024

  Mr. ******** account was turned over to our collection agency on 1/22/2024. We are a third-party debt collection agency; we do not buy debt so he would not have a contract with our agency. We have tried to contact him numerous times by phone, mail, and email to help him resolve his account, but he does not respond to our notices or return our calls. All the demographic information that he provided on this complaint matches what is in our system. Due to his lack of communication with our agency, we have placed a derogatory **** on his credit report. We are happy to provide him with validation of his debt. Once he receives the documentation, we request that he contacts our agency so we can help him resolve his account. Thank you!

• Initial Complaint

  Date:10/29/2024

  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.

  They keep calling me about a debt and collecting when I dont have a debt. They have the wrong number

  

  Business Response

  Date: 11/01/2024

  Mr. ************ account was turned over to our collection agency on 9/19/14. Our first notice was sent to him via email on 9/23/24 on 9/29/24 at 7:45am he opened the email. He did not respond to the email. We began contacting him by phone and left messages but again he never responded. We have sent additional emails which he also opened on 10/21, 10/28, 10/29, and 10/31. Mr. ********** is well aware as to why we are contacting him. We are happy to help him resolve his account, but he needs to contact our agency to do so. Thank you!

• Initial Complaint

  Date:10/17/2024

  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 filing a formal complaint against FFR, **** for reporting duplicate accounts with identical balances and inaccurate information on my credit report. I have no prior contractual agreements, financial obligations, or any knowledge of these accounts with **********************, nor with the original creditor allegedly tied to these entries. I believe these accounts are fraudulent and do not belong to me. I have previously disputed these entries, and they were removed, only to be improperly reinserted, which further adds to the suspicion of error or fraud.Under the ***** 15 U.S. Code 1692e, it is illegal for a debt collector to use any false, deceptive, or misleading representation in the collection of a debt. By reporting duplicate accounts with the same balances and providing incorrect information, FFR has clearly violated this law. Additionally, the ****) under 15 U.S. Code 1681s-2(a), requires furnishers of information like FFR to report only accurate and verifiable information. Their failure to do so, especially after I previously disputed the accuracy of these accounts, constitutes a serious violation of my consumer rights.Furthermore, given the nature of this debt as medical, FFRs actions may also violate the ***** by disclosing personal medical information without my authorization, as this debt does not belong to ***** ****** *. ***********************************, 257 F.3d 409 (4th Cir. 2001), the court found that inaccurate reporting and failure to verify information violated the ***** FFRs reinsertion of these erroneous accounts after they were removed from my credit report reflects a similar disregard for legal obligations under both ***** and *****I request that FFR immediately cease its false reporting, correct all inaccuracies, and remove these fraudulent entries from my credit report permanently. I also demand an investigation into the legitimacy of the alleged debt. Failure to take corrective action will result in further legal action.

  

  Business Response

  Date: 11/01/2024

  Mr. ****** has two legitimate accounts in our system, one was turned over to us on 2/19/19 and the other on 12/7/20. Even though the accounts have the same balance they are for two completely separate dates of service. On 5/24/24 we provide Mr. ****** with validation of both of the debts. We have tried to contact Mr. ****** numerous times to discuss these matters but he does not respond to our calls or notices. All the information on this complaint matches what we have in our system. Mr. ****** must resolve these accounts before we can remove the marks from his credit report. Thank you!

• Initial Complaint

  Date:10/10/2024

  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 FFR collects. I don't have a contract with the collection agency. They didn't provide me with the original contract as I requested.

  

  Business Response

  Date: 10/12/2024

  Mr. ******** account was turned over to our collection agency on 1/27/2023 by our client. We are a third-party collection agency and have no ownership to the accounts that are turned over to us, therefore we do not have a contract with Mr. ******** We have contacted Mr. ******* numerous times both by phone and mail but Mr. ******* never responded to our collection efforts. Due to the lack of communication, we have placed a derogatory **** on his credit report. We are happy to help Mr. ******* resolve his account, he needs to contact our agency at ************* Thank you!

• Initial Complaint

  Date:10/10/2024

  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 receive a phone call and Voicemail from FFR everyday, sometimes very early for me (I am in Pacific time). I have no indication that I owe any debts to anyone and these calls are a daily disturbance to me.

  

  Business Response

  Date: 10/12/2024

  After reviewing the information provided in this complaint, we have determined that we were calling Christin's phone number in error. We are looking for a different individual. We have removed Christin's phone number from our system, therefore all calls with stop. If there are any questions please contact us at ************. Thank you!

• Initial Complaint

  Date:10/08/2024

  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.

  This company keeps contacting me without reason or permission! While I understand that I have a balance, I cannot afford to pay in full at this time (as discussed with them on the phone) but I have been making regular payments toward the debt. They need to stop contacting me

  

  Business Response

  Date: 10/09/2024

  Mr. ************ account was turned over to our collection agency on 9/20/2023. We tried to contact him numerous times by phone and mail but never received a response. Due to the lack of communication, we placed a derogatory **** on his credit report. On 7/31/2024, he contacted our agency, confirmed that he is responsible for the debt, and wanted to set up a payment arrangement. We agreed that a monthly payment plan was acceptable, we informed him that as long as he made a consistent payment every 30 days, we would not need to contact him again. His payments have not been consistent and that is why we contacted him again. He can contact us at ************ if he would like to set up new payment arrangements. Thank you!

  Customer Answer

  Date: 10/09/2024

  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
  

  I have attempted multiple times to set up a payment plan on their website, but that portion of the website is not working, as confirmed by the company (see attachment).  As for the claim that I have failed to make regular payments, the attached picture shows that I did in fact make payments on 9/4 and 10/4, which does in fact meet the "every 30 days" stipulation the company has referred to. Furthermore, I did indicate when calling that due to my financial situation, payments may fluctuate in amount and regularity, at which time the representative acknowledged and did not indicate would be a problem. 

  
  Regards,

  ****

   

   

  

  Business Response

  Date: 10/22/2024

  Mr. ********** made his two payments through our payment portal, so his claim of our payment portal does not work is false. If Mr. ********* continues to make payment towards his account every 30 days until his balance is paid in full then we will not need to contact him again. If he misses a payment, then our collection activity will need to be reinstated. We recommend that he contact our agency within the 30-day window if he will not be able to make a payment in a given month. Thank you!

  Customer Answer

  Date: 10/23/2024

  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

   

   The "guest payment portal" does in fact work. However, per the email attached to my previous response, their website does not allow me to set up an account. This would allow me to set up a recurring payment without having to do so manually every month. It has been almost 3 months that this portion of the website has been down without any attempt to resolve on the company's end. I have requested multiple times not to be contacted and the company has ignored these requests which is harassment.
  
  Regards,

  ****

   

   

• Initial Complaint

  Date:10/08/2024

  Type:Product 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 was looking to check if a vehicle I was going to purchase had a clear title, I did a ****** search, and I went to ******************** on June 18, 2024. I purchased the option of "$1.00 for One Report". The money came out of my bank account that day and I thought nothing of it. I didn`t notice that they charged me $9.95 on June 21, 2024. I was charged on July 18, 2024 for $9.95 and again on August 19, 2024 for $9.95. The next month my bank (***********) put a hold on then next attempted charge by this company because they felt it was suspicious. This is when I became aware of the money they had been taking out monthly. I called ************** (the refund number on their website.) they gave me all the money back they had taken except for the $1 that was initially agreed upon. I am getting phone calls from FFR daily saying that they are a debt collector and I have outstanding debt. My Experian credit report says I have no collections.

  

  Business Response

  Date: 10/09/2024

  After doing further research with the information provided in this complaint, we have determined that we have been contacting Mr. ********** phone number in error. We are looking for a different individual. We have removed Mr. ********** phone number from our system so he will no longer receive calls from us. Thank you!

  Customer Answer

  Date: 10/09/2024

  [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:10/01/2024

  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 have been receiving phone calls for months and the message that is left is the same recorded message from "***** at FFR". I do not have any delinquencies or collections on my credit report, nor I have never received anything in the mail. I do not have any debt that was forwarded to a collection agency. My bills are paid on time. I consider the constant calls to be harassment, and I would appreciate that they remove my number from their call list.

  

  Business Response

  Date: 10/02/2024

  After reviewing the information provided in this complaint, we were able to find an account in our system for Ms. Cass. Her account was turned over to our collection agency on 8/17/23, we have attempted to contact her numerous times both by phone and mail. The address and phone number that we have in our system matches the information provided in the complaint. We are happy to provide Ms. Cass with more information regarding this account, we recommend that she contacts us at 800-747-2302. Thank you!

  Customer Answer

  Date: 10/02/2024

  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 # 22366294. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  
  My name is not Ms. Cass and there has not been any emails or USPS mail from this company.  My step-grandmother's last name was Cass but she passed away a couple of years ago.  If it is related to her, her next of kin is her son, Eric Cass, and he is located in Georgia.  
  
  
  
  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,
  

  Jodi

  
  

  
  
  

   

  
  

   

  

  Business Response

  Date: 10/09/2024

  Thank you for letting us know that Ms. Cass is deceased, we have updated our records. All calls and mailings will cease. Thank you!

• Initial Complaint

  Date:09/27/2024

  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 have been getting calls and voicemails from many different numbers claiming to be from FFR and asking me to call them back. I have no reason for them to be contacting me and I block the number each time, but they have new phone numbers that they keep calling me. They are harassing me and causing undue harm.

  

  Business Response

  Date: 09/27/2024

  After reviewing the information provided in this complaint, we have determined that we have been contacting the wrong phone number. We are not looking to contact Mr. **** but rather someone else. We have removed his phone number from our system so we will not be calling again. If there are any questions, please contact us at ************. Thank you!

• Initial Complaint

  Date:09/23/2024

  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.

  Constantly receiving the same recorded message from "***** at FFR". My credit is in good standing with no delinquencies. As far as I know, I have no debt that was forwarded to a collection agency. The same recorded message over and over, filling up my voice-mail.

  

  Business Response

  Date: 09/26/2024

  After reviewing the information that has been provided in this complaint, we have determined that we were provided with the wrong phone number. We are not trying to contact **** *******. We have removed the phone number from our system so we will no longer be making calls to the number provided. If there are any questions, please contact us at ************. Thank you!

  Customer Answer

  Date: 09/26/2024

  [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. 

  I still believe FFR is some kind of scam to get people to call in.  Due to the same recorded msg that is glitchy and restarts after the first 3 words and the fact that FFR has the same response to everyone who lodges a complaint "Wrong number, whoops",  Hopefully I won't get any more calls, best of luck to every else.
  
  Regards,
  
  **** *******