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:09/09/2022

  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 call regarding a purchase that was made years ago. At the time, I was a single mom and wasn't able to pay in full. I received a call from a collections agency and I agreed over the phone to set up a payment plan. The agent stated that he would send me a contractual agreement for the payment plan via email so I could e-sign it and return it. I gave the agent the wrong CVV code for my credit card in error, but to this day, I have not received the agreement as well. Now they are stating that they have a judgement against me and will be garnishing my wages at 20% which I cannot afford. I understand the debt and willing to go on that agreement. But I do not believe they should garnish my wages due to the fact that they didn't hold up on their bargain. If they don't believe me, they can pull that phone call. Is there anything that can be done?

  

  Business Response

  Date: 09/12/2022

  DNF Associates has received the above referenced complaint, which has been forwarded for investigation and response. 
  

  DNF Associates are a passive debt buyer that outsources receivables to collection agencies and/ or Attorneys to recover past due amounts.

  We do not have the ability to perform collection services or accept payments. 
  

  According to our records, we have no active accounts for Ms. **** *********

  We do have an account, under what we believe to be ****  ******** maiden name. 
  

  That account was sold to an organization called ******** ******* ******* ***** in July 2019, subsequently we have nothing to do with the collection or placement of that account.

  All rights regarding the account were transferred to tl1e above entity.

  That company's telephone number is ***** ********. 
  

  We suggest Ms.******** contact that organization immediately to see if they are in procession of the account.

  According to our records, the account in question was charged off in June 2015.

  Depending on when Ms. ******** made her last payment, title account could be beyond that statute of limitations for her state which would make garnishment impossible. 
  We

  We apologize to Ms. ******** that we could not be of any further assistance regarding this matter, but we are no longer the owners of the account. 

  I trust this letter satisfies tl1e request and expectations of our company, but I remain available to your office should you require any furtl1er information or assistance. 

  Customer Answer

  Date: 09/12/2022

  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 
  
  
  
  
  
  
  
  
  
  
  
  
  

• Initial Complaint

  Date:09/07/2022

  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 was contacted by this company about a debt that I am not aware of the name of their representative is Joseph R******* he has been calling and harassing me as well as my son telling me I am lying about owing them $700 i have never opened an account with ***** credit which is the original company this man was very disrespectful and non stop calling me and my son as well as calling my son names and lying saying he never contacted my son so me and my son called the company and they lady we spoke to was also very rude so this is my reason for contacting you once again the guys name is Joseph R******* and his number is ###-###-#### that’s his direct number

  

  Business Response

  Date: 09/09/2022

  DNF Associates has received the above referenced complaint, which has been forwarded for investigation and response. To clarify for Mr. ******, DNF Associates are a passive
  debt buyer that outsources receivables to collection agencies and/or attorneys to recover past due amounts. We do not have the ability to perform collection services or accept payments. According to our records, we have no listing for a **** ******. We believe Mr. ****** was contacted regarding his relationship with a consumer we have an account for. When a collection agency is unable to locate a good contact number for a consumer, they will sometimes contact relatives to try to establish contact. Mr. ****** contacted our office on September 7th and requested information regarding an account, but since he is not the
  consumer named on the account nor provided Power of Attorney, we were unable to comply with his request. Based on Mr. ******'s  phone call to
  our company and subsequent complaint, we were able to identify an
  account that contained his telephone number. When the account was identified, we were able to remove the telephone number provided in Mr. ******'s complaint, so he receives no further contact regarding this matter. We also contacted the
  servicing collection agency, requested information regarding the service of the account, and withdrew the
  account from their
  inventory. As for the actions of
  of the collection agency based on the complaint, we apologize for Mr. ******'s experience. We take such complaints very seriously. Excessive and egregious complaints and conduct can jeopardize a vendor's standing and relationship with our organization. We appreciate Mr. ****** bringing this matter to our attention and providing us the opportunity to rectify it. I trust this letter satisfies the request and expectations of our company, but I remain available to your office
  should you require any further information or assistance. Sincerely, David M. Chief Compliance Officer

• Initial Complaint

  Date:09/06/2022

  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 letter today from a law firm stating I owed a debt from ******/********* bank that was charged off to DNF in March 2020. No communication has been received from DNF at any point from that time to present. When I call the number on the DNF website it takes me to the law firm that is currently pursuing litigation against me. Why was no formal communication, ei: written notice received from DNF in the last 2.5+ years? How does someone go about getting ahold of DNF directly? Why has this not shown up on my credit report to indicate that there is a debt owed?

  

  Business Response

  Date: 09/09/2022

  DNF Associates has received the above referenced complaint, which has been forwarded for investigation and response.Upon receipt of the complaint, we contacted the law office for a statement regarding their interactions with the consumer.To clarify for Ms. ***, DNF Associates are a passive debt buyer that outsources receivables to collection agencies and/or Attorneys to recover past due amounts. We do not have the ability to perform collection services or accept payments.Though our company is a data furnisher that reports to the credit bureaus, we only furnish data on a limited number of accounts. We did not place information regarding this account on Ms. ***'s credit bureau report.According to our internal records, Ms. ***'s account was purchased in February 2020, in a portfolio containing other consumer accounts that had charged off. We have attached a copy of the Bill of Sale.In addition, we have attached a copy of the letter sent to Ms. *** from the original creditor when the account was sold to our organization as well as the final account statement prior to charge-off.Prior to placement with the law office, the account was serviced five (5) collection agencies who were unable to secure payment. According to our records, Ms. *** was sent initial notices during that period and telephone attempts were made.We apologize to Ms. *** for any aggravation she feels she was caused. We understand these situations can sometimes be stressful and confusing.We suggest hat Ms. *** contact the law firm of ******* ******** ** **** **. at ****** ******* The law firm has been provided all pertinent information including two pears of account statements detailing purchases and payments. This information is available to Ms. *** if she has not already received it.I trust this letter satisfies the request and expectations of our company, but I remain available to your office should you require any further information or assistance.David J. M*****Chief Compliance Officer

  Customer Answer

  Date: 09/09/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  The letter does not state who the 5 debt collection companies were that worked on behalf of DNF and does not provide prof that this companies made an attempt to reach me in writing. It also states that they are unable to collect payments, which makes it nearly impossible to reconcile any debt if they cannot accept payment and will not say who is collecting the debt at any given time. Furthermore, the debt being told to me by the lawfrim now handling the care is $400 greater than that addressed in the letter attached to the response from DNF. 
  ****** ***

  

  Business Response

  Date: 09/13/2022

  DNF Associates would once again like to thank you for the opportunity to clarify information for Ms. *** in the hopes of satisfactorily resolving this matter.With regards to the five prior agencies that the account was placed with, though we will not provide the service nam es since we are not legally bound or obligated to do so, we have requested their collection and contact notes.What we can do at this time is provide a copy of the letter sent to Ms. *** by the current account servicer. The attached August 30,2022, Initial Notice from ******* ******** * ******* specifically states: "Call or write to us by 10/11/2022y to dispute all or part of the debt."According to ******* ******** * ***** ****, Ms. *** has requested validation of the debt. Thefirm is in the process of providing that information.As for Ms. ***'s question as to why the balance provided is $400.00 more than the PayPal Credit statement, the final statement provided by ****** Credit dated 6/8/2019 shows a balance of$2162.94.The account sale letter sent to Ms. *** from ********* Bank dated 02/29/2020 shows a balance of2513.88, a difference of $350.96.This difference is the made up of interested and fccs added to the account by ******** Bank prior to the charge off date. DNF Associates does not add interest or fees to purchased accounts.As we stated in our prior response, Ms. *** should continue to work with  ******* ******** *
  ****i to resolve this matter. The law office will do their best to provide the validation information toMs. *** in a timely manner.If we can be of any further assistance, please feel free to contact our organization.Sincerely,  David J. M*****Chief Compliance Officer