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:07/28/2024

  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.

  This collection by FFR on my TransUnion report. This account is closed, and I demand its removal. Additionally, FFR is harassing me with phone calls and letters, violating the **** law. Please resolve this issue promptly.

  

  Business Response

  Date: 07/29/2024

  ************************ account was turned over to our collection agency on 9/21/2023. We contacted him numerous times both by phone and mail but he did not respond to our correspondence. Due to his lack of communications, we placed a derogatory **** on his credit report on 12/01/2023. ******************** contacted our agency by phone on 6/26/2024, he stated that his account was already settled. We asked that he provide us with proof of the settlement, we told him that he could email us the documentation. We have not received any documentation from him to date. We are happy to help ******************** resolve his account if he contacts our agency at ************. Thank you!

• Initial Complaint

  Date:07/18/2024

  Type:Service or Repair 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 have been receiving phone calls from this phone number, ************. All the robocall message says is this is ***** calling from FFR, and ask for a return phone call to ************. They have called many times and just leave the same message. This is extremely annoying as they call at least 2 or 3 times per week. After coming here to look up that phone number, I see it's a debt collection agency. We do not have any outstanding debts that have a late payment or collection accounts. Please opt me out of these calls.

  

  Business Response

  Date: 07/19/2024

  After reviewing the information provided on this complaint along with the information that is associated to the phone number in question, we have determined that the consumer we are looking for is not the same individual who filed the complaint. We have removed the phone number in our system so no further calls will be made in error. If there are any questions, please contact our agency at ************. Thank you! 

  Customer Answer

  Date: 07/29/2024

  [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:07/10/2024

  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.

  Additionally, I am allowed under the **************** Portability and Accountability Act (*****) to protect my privacy and medical records from third parties. I do not recall giving permission to [name of provider] for them to release my medical information to a third party. I am aware that the ***** does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and ***** authorization. This needs to be removed from my credit report immediately

  

  Business Response

  Date: 07/12/2024

  ******************** account was turned over to our collection agency on 6/29/23 and we have spoken with **************** on numerous occasions. First being on 8/3/23, she stated that she was aware that the balance was outstanding and that she would reach out to her insurance. She also mentioned that she had the original bill so we did not need to provide her with validation. A few times when we contacted ****************, she would verify her information then hang up on us when we explained why we were calling her. On 2/24/24, she again stated that she was working with her insurance. Our most recent conversation with her was on 7/2/24, she requested that we remove the **** from her credit report. She stated that she feels she is not responsible for the balance. She requested that we provide her with validation of the debt which we will be doing. Thank you!

• Initial Complaint

  Date:06/27/2024

  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 suddenly receiving phone calls from this phone number there has been a few that Ive gotten from someone named ***** and they will not stop calling me its getting repetitive annoying Ive gotten calls from Framingham numbers along with new before then another number last week telling me to call them back when I have no idea why Im receiving these calls opt out of them at **********

  

  Business Response

  Date: 06/28/2024

  After reviewing the information the consumer provided, we have determined that the phone number was attached to an account that is not for this individual. We have removed the phone number from our system so no further calls will be made. If you have any questions, please contact us at ************. Thank you!

• Initial Complaint

  Date:06/19/2024

  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 the ********* MA **************** I do not have a contract with First Financial ************ (also known as FFR ***** they did not provide me with the original contract as I requested.

  

  Business Response

  Date: 06/20/2024

  ****************** has multiple accounts with our agency. We have been reaching out to him since February of 2022. When calling the phone number ****************** provided on this complaint, we were told that we had the wrong number. We have sent numerous statements to ****************** and he has never responded to our collection efforts. Due to his lack of communication with us, we placed derogatory marks on his credit report. Since ****************** is requesting validation of his debts, we will be mailing the validation to the address he provided on this complaint. We highly recommend that he review the documents that are provided by our agency and contact us at ************ so we can help him resolve these matters. Thank you!

  Customer Answer

  Date: 06/20/2024

  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. 

  This loan was taken out by a family member without my consent, and I did not agree to or benefit from this loan in any way. Therefore, I am requesting the immediate removal of this account from my credit report.
  According to the Fair Credit Reporting Act (****), you are required to report only accurate and verifiable information. Section 611 of the **** provides me the right to dispute information that I believe to be inaccurate or incomplete. This account is a clear case of identity theft or unauthorized use of my personal information, which is a serious violation of my rights.
  
  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,

  ****

   

   

  

  Business Response

  Date: 06/28/2024

  Hello ****, 

  The accounts that are with our collection agency are for medical services you received, not a loan. We are happy to help you resolves these matters and get your credit report updated but you need to contact our agency at ************. Thank you!

  Customer Answer

  Date: 07/01/2024

  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. 

  To Whom It May ************* have reviewed the response from the business and it does not satisfy or resolve my issues and concerns regarding complaint #********. I would like to provide further details to support my position, referencing relevant laws and regulations:
  Misrepresentation of Debt: The collection agency has acknowledged that the accounts are for medical services and not a loan. However, this debt shows up as a collection on my credit report. According to the Fair Credit Reporting Act (****), all information on a credit report must be accurate. This misclassification has negatively impacted my credit report and must be corrected immediately.
  Parental Responsibility: At the time of the medical services, I was 19 years old and under the care of my parent. Under the Family Educational Rights and Privacy Act (FERPA), I was considered a dependent. My father explicitly assured me that he would handle the medical bill in its entirety. Therefore, the financial responsibility for this medical expense was with my parent, not with me.
  Lack of Direct Communication: Under the Fair Debt Collection Practices Act (FDCPA), collectors are required to provide validation of the debt directly to the consumer. I was never directly billed or contacted regarding this medical expense by the healthcare provider or the collection agency. All communication and billing were managed by my father, as he had committed to managing this financial obligation. As such, I was unaware of any outstanding balance or subsequent collection activities until I noticed the derogatory **** on my credit report.
  Unethical Practices: The collection agencys classification of this medical expense as a collection account, despite it being a medical service and not a loan, raises concerns about their compliance with the **** and FDCPA. This approach appears to be an attempt to extract money from me improperly and has caused undue harm to my creditworthiness. Misrepresenting the nature of the debt violates Section 807 of the ****** which prohibits false or misleading representations.
  Violation of Consumer Protection Rights: By inaccurately reporting this debt and failing to properly communicate with me as the alleged debtor, the collection agency has potentially violated my consumer protection rights under the **** and FDCPA. I request a thorough review of this matter to ensure compliance with these laws.
  Request for Resolution: In light of the above points, I respectfully request that this medical debt be removed from my credit report immediately. The responsibility for this debt lies with my parent, who assured me it was being taken care of, and not with me personally. The collection agency's response does not address the core issues, and I should not be held liable for this debt. Furthermore, I request that the collection agency cease any further attempts to collect this debt from me, in accordance with Section 805 of the FDCPA.
  I appreciate your attention to this matter and look forward to a prompt and fair resolution.
  Sincerely,
  ****
  
  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
  
   

   

   

• Initial Complaint

  Date:06/17/2024

  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.

  Hi FFRS collection; I am filing a formal complaint regarding a violation of my consumer rights under various sections of the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA).According to 15 U.S.C. 602(a), I am entitled to privacy, and 15 U.S.C. 604(a)(2) specifies that a consumer reporting agency cannot furnish an account without my written instructions. I demand that all methods of communication and collections on this account cease immediately. I request the immediate deletion of this account from my credit report as I do not recognize this account, have no knowledge of it, and have no prior contractual obligations with the company in question.You have violated my rights under the following sections of the FDCPA:1. 1692d: By engaging in conduct that harassed, oppressed, and abused me in connection with the collection of an alleged debt, including sending a collection letter containing veiled and empty threats of legal action.2. 1692e: By using false, deceptive, or misleading representations in connection with the collection of a debt, including the following: * 1692e(2)(A): False representation of the character, amount, or legal status of the debt in the collection letter. * 1692e(5): Threatening to take legal action that cannot legally be taken or is not intended to be taken.3. 1692g(b): By engaging in collection activities that overshadowed or were inconsistent with the disclosure of my right to dispute the debt, as stated in the collection letter.4. 1692f: By using unfair or unconscionable means to collect or attempt to collect the debt, as alleged in the misconduct detailed herein.I demand the immediate deletion of this account from all credit reporting agencies. Your actions have significantly impacted my credit report and overall financial wellbeing, and I expect prompt rectification of this issue.

  

  Business Response

  Date: 06/21/2024

  ******************** account was turned over to our collection agency on 7/27/2022. We reached out to her numerous times both by phone and mail but did not receive a response. Due to her lack of communication, we placed a derogatory **** on her credit report on 11/1/2023. On 4/10/2024 we received notification from the credit bureaus that **************** did not believe this account was for her. We mailed her validation of this debt on 5/1/2024. After sending her the validation we attempted to contact her but she again did not respond. We are happy to help **************** resolve her account, she can contact our agency at ************. Thank you!

• Initial Complaint

  Date:05/23/2024

  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 received a voicemail today 5/23/2024 from FFR (First Financial Resources, **** calling about a debt. I don't have any debt, so I called right away and was told they were calling about someone else's debt but would not give me any other information besides a name. The rep said, "this must be your mother or ******** She was wrong, it is not, and it is completely inappropriate to contact people other than the debt holder. I asked how she got my number, she said that she had several numbers to call to reach this person but couldn't discuss it with me since I am not on the account. I asked how she got MY name if I'm not affiliated with the debt? She refused to answer me and hung up on me. I called back to ask more questions and she hung up on me again. This is obviously a tactic to embarrass debt holders and is totally inappropriate.

  

  Business Response

  Date: 05/28/2024

  As discussed during the call on 5/23/24, we identified that the person on the phone was not the individual we were looking for therefore we removed the phone number from our system and advised the person on the phone that we had done so. The person on the phone wanted to know how we obtained her phone number, and we told her that the phone number was in our system. Because she was not the individual we were attempting to contact, we informed her that we could not disclose any other information. Thank you!  

  Customer Answer

  Date: 05/29/2024

  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 # ********.

  FFR called my cell phone and told me that a member of my family had debt with them. They asked me to pass a message to this person (they said they thought it must be my mother or sister). 

  Disclosing someone's debt status to a third party is a violation of privacy and completely inappropriate.  Thier claim that they simply called the wrong number is a lie. They specifically said, "she must be your mother or sister?" so they knew they were not calling the debt holder's phone. 

  FFR intentionally called me and told me a family member was in debt.  This was not an error.  This was a deliberate attempt to embarrass someone by disclosing their debt status to a family member. 

  Regards,

  ******

   

   

  

  Business Response

  Date: 06/03/2024

  First Financial Resources, Inc. takes the disclosure of information to third parties very seriously. In this case, we did not disclose any information other than the consumer's name even though ****** tried to bait us into giving her more information. With people changing their phone numbers or multiple people sharing the same phone number, all we can do is ask to speak with the consumer and if the person on the other end of line tells us we have the wrong phone number we remove it. That is exactly what we did not this scenario. ****** was the one who was trying to get more information from us but we did not disclose any information.

  Customer Answer

  Date: 06/04/2024

  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 # ********.

  FFR called my cell phone and gave me the name of a person they knew was not me for the purpose of disclosing their debt status.  They called me by name, and told me they were trying to collect a debt for another person, then said "this must be your mother or ******** Their initial response that they called me by mistake was dishonest, and the fact that they are now doubling down with a new lie that I tried to "bait" them into disclosing more information simply underscores their unethical practices.  What I asked them, several times, was where they got my phone number and why they were calling me. Their response that my number was "in their system" is unacceptable.  How did my phone number get into their system?  They called me, intentionally, with the sole purpose of embarrassing the debt holder by calling their family members and telling us they are trying to collect a debt from that person.  I repeat again my initial complaint, that this is completely unethical and inappropriate.  It is clear they have no intention of changing their practices and will continue to operate in an unethical manner.  I do thank them for proving my point over and over again during this process.  I am more confident than ever that they are doing this intentionally and I intend to ensure businesses and consumers know it through every venue I can utilize.  

  Regards,

  ******

   

   

• Initial Complaint

  Date:05/23/2024

  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 **** with charter communications, I do not have contract with COLLECTION, they did not provide me with the original contract as i requested.

  

  Business Response

  Date: 05/23/2024

  ****************** has two accounts in our system, one was entered on 11/15/19 and the other was entered on 12/23/19. We have contacted ****************** numerous times both by phone and mail. The demographics we have in our system match what he provided on this complaint. On 8/27/2020, we spoke with ****************** and made him aware of both accounts. He mentioned that he was seeing them on his credit report and would call back to resolve them. That was the only conversation we had with him; he ignored all our future collection attempts. We are happy to help him resolved these accounts, to do so he needs to contact our agency at ************. Thank you!

• Initial Complaint

  Date:05/22/2024

  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.

  HI FFR **** BBB; PLEASE CEASE ALL METHOD OF COMMUNICATION BECAUSE I'M NOT LIABLE FOR THIS MEDICAL COLLECTION AND ITS IN VIOLATIONS OF MY CONSUMER RIGHTS. I NEVER HAD ANY CONTRACTUAL OBLIGATIONS WITH THIS COMPANY NOR THE ORIGINAL CREDITOR. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of **** and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information: 1. Please evidence your authorization under 15 USC 1692(e) and 15 USC 1692(f) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. According to the provisions under the **** and FDCPA, I demand that this item be deleted from all the 3 CREDIT BUREAUS as soon as possible. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must DELETE any erroneous reports of this past debt as mine from the credit bureau.

  

  Business Response

  Date: 05/23/2024

  **************** account was turned over to our collection agency by our client on 2/26/19. We have contacted ************ numerous times both by mail and phone. Due to his lack of communication with our agency, we placed a derogatory **** on his credit report on 5/19/19. We continue to make collection attempts. On 10/11/23 and 10/17/23, ************ submitted disputes to the credit bureaus, but we verified that the debt was valid and our demographics match what he had provided. On 11/15/23, we also received a letter from ************ saying that he felt this was an identity theft issue, he requested validation of the debt. The validation of the debt was sent to ************ on 11/17/23. We continued to receive dispute letters from ************ on 12/15/23, 1/30/24, 2/19/24, 3/26/24, and 5/8/24. In the letters he continues to ask for validation of the debt, but we have already validated the debt. If ************ would like to resolve this matter, he needs to contact our agency at ************. Thank you!

• Initial Complaint

  Date:05/10/2024

  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'm writing urgently to address the errors on my credit report resulting from the disclosure of my personal information to credit bureaus, leading to significant financial and emotional distress.As stated in 15 USC 1681 Section 602, I assert my right to financial privacy and expect my information to be treated confidentially.Additionally, under 15 USC 1681 Section 604(a)(2), a consumer reporting agency cannot disclose account details without my explicit consent, which I haven't provided.The discrepancies related to FIRST FINANCIAL RESOUR have negatively impacted my financial standing, prompting an immediate need for correction.I also emphasize compliance with 15 USC 1666(b), prohibiting creditors from treating credit card payments as late under specific circumstances.Below are my account details for your reference:Account Number: **************I urgently request a thorough review of my account, prompt rectification of the credit report inaccuracies, and strict adherence to federal laws governing my information.Failure to promptly address these concerns may result in legal action. I appreciate your immediate attention to this matter.Sincerely,*****************************

  

  Business Response

  Date: 05/13/2024

  **********************' account came over to our agency on 5/9/23. We have contacted him numerous times by mail and phone, but he did not respond. Due to his lack of communication with our agency, we placed a derogatory **** on his credit report on 1/1/24. On 4/3/24, ********************** contacted our agency, he was looking to settle his account. Since we do not own the debt, we could only settle for the amount that is authorized to us by our client. ********************** did not want to settle for the amount that was offered and he ended the call. He also notified the credit bureaus that our **** was on his report in error, but we advised them that it is not an error since all of his demographics match what was provided to us by our client. We are happy to help ********************** resolve his account if he contacts our agency at ************. Thank you!