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:04/12/2024

  Type:Sales and Advertising 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 IS DUPLICATE, INACCURATE ACCOUNT. I NEVER HAD LEGAL RELATIONSHIP WITH ******** AMBULANCE AND FIRST FINANCIAL RESOURCES **** I demand that this be deleted from my credit report effective today as I do not recognized this account, no knowledge and no prior contractual obligations with this company. You violated my rights rights under 15 USC codes sections 1692 d, e f g of FCRA/*****. Remove from my credit report. You violated 1692d of the ***** by engaging in conduct that the natural consequences of which was to harass, oppress, and abuse client in connection with the collection of an alleged debt and the collection letter you sent me which contains veiled and empty threats of legal action;You violated 1692e of the ***** by its use of any false, deceptive, or misleading representation or means in connection with the collection of any debt when you engaged in, at least, the following discrete violations of 1692e;You violated 1692e(2)(A) of the ***** with its false representation of the character, amount, or legal status of any debt and the collection letter you sent me which contains veiled threats of legal action against me, the client;You violated 1692e(5) of the ***** by its threat to take any action that cannot legally be taken or that is not intended to be taken when you sent me the collection letter contains veiled threats of legal action against me, the client;You violated 1692g(b) of the ***** by engaging in collection activities that overshadowed or was inconsistent with the disclosure of the consumers right to dispute the debt with the language it used in the Collection Letter; andYou violated 1692f of the ***** by its use of unfair or unconscionable means to collect or attempt to collect any debt when you engaged in all of the misconduct alleged herein. I demand an immediate deletion of this account from all credit reporting agency.

  

  Business Response

  Date: 04/15/2024

  We have two accounts in our agency for ***********************. One was sent over to us on 2/19/2019 and the other came to us on 12/7/2020. The accounts are not duplicates; they are for two separate dates of service. We have contacted Dinis numerous times both by phone and mail but we have never received a response. Due to the lack of communication from Dinis, we submitted both accounts to the credit bureaus. We are more than happy to help Dinis resolve the accounts but Dinis must contact our agency at ************. Thank you!

• Initial Complaint

  Date:03/25/2024

  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.

  DEAR BBB; FFR; cease all methods of communication. this is a HIPPA violations at it's highest level, and they've failed to validate the validity of this entire debt. i never used ******** ambulance services and when i call ******** they tell me to call this alleged debt collector that i never dealt with in the past. I demand that this be deleted from my credit report effective today as I do not recognized this account, no knowledge and no prior contractual obligations with this company. You violated my rights rights under 15 USC codes sections 1692 d, e f g of FCRA/*****. Remove from my credit report. You violated 1692d of the ***** by engaging in conduct that the natural consequences of which was to harass, oppress, and abuse client in connection with the collection of an alleged debt and the collection letter you sent me which contains veiled and empty threats of legal action;You violated 1692e of the ***** by its use of any false, deceptive, or misleading representation or means in connection with the collection of any debt when you engaged in, at least, the following discrete violations of 1692e;You violated 1692e(2)(A) of the ***** with its false representation of the character, amount, or legal status of any debt and the collection letter you sent me which contains veiled threats of legal action against me, the client;You violated 1692e(5) of the ***** by its threat to take any action that cannot legally be taken or that is not intended to be taken when you sent me the collection letter contains veiled threats of legal action against me, the client;You violated 1692g(b) of the ***** by engaging in collection activities that overshadowed or was inconsistent with the disclosure of the consumers right to dispute the debt with the language it used in the Collection Letter; and I demand an immediate deletion of this account from all credit reporting agency.

  

  Business Response

  Date: 03/26/2024

  After reviewing ****************** complaint and his account in our system, we are going to take our **** off his credit report while we investigate the matter. If he has any questions, he can contact ********** at ************. Thank you!

• Initial Complaint

  Date:03/24/2024

  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 am not liable for this debt with SOUTH SHORE HEALTH EXPRESS. I do not have a contract with FIRST FINANCIAL RESOURCES **** They did not provide me with the original contract as requested.

  

  Business Response

  Date: 03/25/2024

  ********************** account was turned over to our collection agency on 9/18/2023. We have sent her numerous notices and contacted her by phone multiple times, but she has not responded to any of our collection efforts. The address and phone number we have on file matches the information she provided on this complaint. Due to her lack of communication with **********, we placed a derogatory **** on her credit report on 11/30/2023. We are happy to help ****************** resolve her account, she can contact ********** at ************. Thank you! 

• Initial Complaint

  Date:03/08/2024

  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 AM NOT LIBLE FOR GEORGETOWN FIRE ***** AM. I DO NOT HAVE A CONTRACT WITH First Financial Resources, Inc. THEY HAVE NOT PROVIDE ME WITH THE ORIGINAL CONTRACT. OR HAVE ANY CONTRACT WITH THEM

  

  Business Response

  Date: 03/11/2024

  ************************** account was turned over to our collection agency on 8/22/2023. We reached out to him numerous times both by phone and mail. The address and phone number we have on file matches the information he provided on this complaint. Due to ************************** lack of response, we placed a derogatory **** on his credit report on 2/29/2024. ********************** contacted ********** on 3/6/2024, he stated that he would be contacting his insurance to resolve the matter. Once the account has been taken care of we are happy to update ************************** credit report accordingly. Thank you!

• Initial Complaint

  Date:02/20/2024

  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 received a call on Monday, February 19,2024 from First Financial Resources. The person stated that my file was sent to them about a $100 debt that I owed to Fallon Ambulance. I told the person I paid that debt directly to Fallon Ambulance on November 1, 2023. I told them not to call me again. I told them to call ****** Ambulance to verify the debt was paid. The person said they did not have their number. I told the person I did not understand how they did not have the contact number for Fallon Ambulance. This makes no sense to me how they did not have a contact number. Fallon Ambulance referred my file to them so they should have a contact number. I already filled out a complaint form against Fallon Ambulance. I need this issue resolved. I do not want this to be on my credit report as an unpaid debt. Because I paid it. I have a receipt verifying that it was paid and the date it was paid.

  

  Business Response

  Date: 02/21/2024

  We are currently looking into this matter. As per **************** request, we will not be contacting her again. If she has any questions for us she can reach us at ************. Thank you!

• Initial Complaint

  Date:01/29/2024

  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.

  Iam 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: 01/31/2024

  Hello **************, we are having trouble locating your account in our system. Please provide us with additional information (i.e. your date of birth, account number, outstanding balance, etc.). If you prefer to contact us by phone we can be reached at ************. Thank you!

• Initial Complaint

  Date:01/21/2024

  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 received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the ***** Act of ****. I never signed a ***** form to authorize your company to have access to my medical records or procedures that I went through.I do not have a signed contract with FFR. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the ****** Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Better Business Bureau (BBB). The BBB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn the matter over to an attorney.

  

  Business Response

  Date: 01/22/2024

  ****************** account was turned over to our collection agency on 8/25/2022, we have contacted ************** numerous times by phone and mail but did not receive a response. Due to her lack of communication with **********, we placed a derogatory **** on her credit report on 11/01/2023. The demographics provided in this complaint matches what we have in our system so we will mail ************** validation of her debt. We would like to help her resolve this matter so she can contact us at ************. Thank you!!

• Initial Complaint

  Date:01/16/2024

  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 the debt with *****************************************, they did not provide me with the original contract as I requested.

  

  Business Response

  Date: 01/22/2024

  ********************************* account was turned over to our collection agency on 7/19/2023, we sent her numerous letters and contacted her by phone but we did not receive a response. Due to her lack of communication with **********, we placed a derogatory **** on her credit report on 9/30/2023. On 1/12/2024, we received a dispute from Experian saying that ***************************** was requesting validation of the debt. All of her demographic information on the dispute from Experian and this complaint matches what is in our system. As soon as we have the documentation, we will be mailing it to *****************************. Once she receives the validation of the debt we highly recommend that ***************************** contact ********** at ************ so we can help her resolve her account. Thank you!

• Initial Complaint

  Date:01/05/2024

  Type:Sales and Advertising 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 never had any relationships with this medical collection company nor ************ FIRE **** A. I demand that this be deleted from my credit report effective today as I do not recognized this account, no knowledge and no prior contractual obligations with this company. You violated my rights rights under 15 USC codes sections **** d, e f g of FCRA/*****. Remove from my credit report. You violated ****d of the ***** by engaging in conduct that the natural consequences of which was to harass, oppress, and abuse client in connection with the collection of an alleged debt and the collection letter you sent me which contains veiled and empty threats of legal action;You violated ****e of the ***** by its use of any false, deceptive, or misleading representation or means in connection with the collection of any debt when you engaged in, at least, the following discrete violations of ****e;You violated ****e(2)(A) of the ***** with its false representation of the character, amount, or legal status of any debt and the collection letter you sent me which contains veiled threats of legal action against me, the client;You violated ****e(5) of the ***** by its threat to take any action that cannot legally be taken or that is not intended to be taken when you sent me the collection letter contains veiled threats of legal action against me, the client;You violated ****g(b) of the ***** by engaging in collection activities that overshadowed or was inconsistent with the disclosure of the consumers right to dispute the debt with the language it used in the Collection Letter; andYou violated ****f of the ***** by its use of unfair or unconscionable means to collect or attempt to collect any debt when you engaged in all of the misconduct alleged herein.As a result of the foregoing violations of the ***** on this matter, I demand an immediate deletion of this account from all credit reporting agency.

  

  Business Response

  Date: 01/08/2024

  ************************** account was turned over to our collection agency on 10/12/2023. We have sent him numerous letters and have contacted him by phone but he does not respond to us. Due to his lack of response we placed a derogatory **** on his credit report. ********************** is incorrect when he states that we have threaten legal action, we do not take consumers to court. If legal action were to be taken that would be done by our client directly. We are happy to help ********************** resolve his account but in order to do so he needs to contact ********** at ************. Thank you!

  Customer Answer

  Date: 01/09/2024

  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. 

  [Dear BBB,
  I appreciate the opportunity to respond to the message provided by FFR regarding my complaint #********. I firmly assert that I do not have any contractual obligations or acknowledge the alleged debt being pursued by FFR. Their correspondence fails to provide substantive evidence validating the legitimacy of this claim. In fact, their actions directly infringe upon my consumer rights as outlined by several federal statutes, including the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA).
  Under the ***** 611(a)(1)(A), any entity reporting information on my credit report must provide verification of the debt upon my request. FFR has not furnished any substantial evidence or validation of the alleged debt despite my requests for verification. Additionally, the ****** 809(b), explicitly mandates debt collectors to provide validation of debts upon request and cease collection activities until proper verification is provided. FFR's persistence in reporting derogatory marks on my credit report without substantiating the debt is a violation of this provision.
  Their statement regarding legal action is misleading. While they claim not to take consumers to court, the implication that their client might pursue legal action contradicts their assertion. FFRs actions create undue distress and imply potential legal consequences, breaching the FDCPAs guidelines that restrict deceptive or misleading representations in debt collection.
  I have made no attempt to evade communication with FFR. Contrarily, I have sought validation of the alleged debt, which is my right under federal law. Their claim that I have not responded to their letters or phone calls is inaccurate. Rather, I have consistently requested validation of the debt, which they have failed to provide.
  I kindly request your intervention to ensure that FFR complies with federal statutes governing debt collection practices. I urge them to provide substantiated proof of the alleged debt and cease any further derogatory reporting until such validation is provided. Their persistent disregard for my rights as a consumer and their failure to substantiate this claim are of utmost concern.
  Thank you for your attention to this matter.
  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
  
  Regards,

  ****

   

   

  

  Business Response

  Date: 01/22/2024

  After the complaint was initially filed, we have requested validation from our client and will be provided it to Mr. ********* via **** to the address he provided on this complaint. 

• Initial Complaint

  Date:12/14/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Hi BBB; FFR; This is medical collection is fraudulent reporting and in violations. I had paid the original hospital through my insurance $657, plus it's a violation of my HIPPA rights. I demand that this be deleted from my credit report effective today as I do not recognized this account, no knowledge and no prior contractual obligations with this company. You violated my rights rights under 15 USC codes sections **** d, e f g of FCRA/*****. Remove from my credit report. You violated ****d of the ***** by engaging in conduct that the natural consequences of which was to harass, oppress, and abuse client in connection with the collection of an alleged debt and the collection letter you sent me which contains veiled and empty threats of legal action;You violated ****e of the ***** by its use of any false, deceptive, or misleading representation or means in connection with the collection of any debt when you engaged in, at least, the following discrete violations of ****e;You violated ****e(2)(A) of the ***** with its false representation of the character, amount, or legal status of any debt and the collection letter you sent me which contains veiled threats of legal action against me, the client;You violated ****e(5) of the ***** by its threat to take any action that cannot legally be taken or that is not intended to be taken when you sent me the collection letter contains veiled threats of legal action against me, the client;You violated ****f of the ***** by its use of unfair or unconscionable means to collect or attempt to collect any debt when you engaged in all of the misconduct alleged herein.As a result of the foregoing violations of the ***** on this matter, I demand an immediate deletion of this account from all credit reporting agency. These discrepancies are clear violations of my consumer rights as stipulated in the provisions outlined within 15 U.S. Code ****b.

  

  Business Response

  Date: 12/15/2023

  ****************' account was turned over to our collection agency on 6/9/2023. We reached out to him numerous times by both phone and mail, he never responded. Due to his lack of response, we placed a derogatory **** on his credit report on 9/1/2023. On 9/8/2023, we received a fax from **************** saying that he was disputing the balance and asked us to provide him with validation of the debt. We received the same dispute via mail on 9/11/2023. The address we received from our client is the same address that is on this complaint.  We mailed the validation to **************** on 9/11/2023. Since sending him the validation, we have reached out to him numerous times but he did not respond to our calls. We received another letter from him on 11/2/2023 requesting the validation again so we mailed it to him again that same day. We received a third letter on 11/21/2023. If **************** would like to resolve his account he needs to contact ********** by phone at ************. We are more than happy to help him get this resolve but the information he is providing in his letters is not sufficient. Thank you!