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:04/16/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I reached out to them to settle a matter and they did not help me but sent me to two other agencies. The third agency did not respond with adequate information or time to my voicemail nor email and now they’re suing me!! This is not okay!! DNF is who shows up in CCAP not this other place. This was total chaos!!!!! DNF sent me off and the firm here in Milwaukee switched lawyers so I never got to speak with ANYONE!!!! I emailed and everything!!!

  

  Business Response

  Date: 04/21/2025

  DNF Associates, LLC (Hereinafter, “DNF”) has received the above referenced complaint, which has been forwarded for investigation and response. Upon receipt of the complaint, the Account in question was placed in a temporary cease status. 
  To clarify; DNF is a passive debt-buyer that purchases charged off receivables and outsources them to collection agencies and/or Attorneys to recover past due amounts. We do not have the ability to open lines of credit nor perform collection services or accept payments. 
  Ms. ******'s Bon Ton account ending in 4213 (Hereinafter, "the Account") was purchased from Fidem / Comenity Bank in February of 2023. The Bill of Sale from that purchase has been attached to this response. 
  The Account in question was opened with Ms. ******'s social security number, birthdate, email address of DECORAH******@GMAIL.COM and a mailing address of 8230 W Luscher Ave. Milwaukee, WI 53218 
  The Account was opened on 12/10/2013 with regular monthly payments applied and was charged off due to delinquency on 01/31/2023 with a balance of $804.86. 
  We contacted *********** Law Firm LLC and they responded with the below: 
  "Suit was filed 11/22/24, we were unable to serve so publication was completed 1/10/25. 
  The first contact we received from the Ms. ****** was an email on 1/17/25 disputing a different account in our office, so we mailed the documentation for that account, in the email the subject included the reference number for this account, she did not dispute the DNF Associates account. 
  A voicemail was received 1/27/25 requesting a call back after 4:30, we did attempt to call back after 4:30 on 1/29/25 and had to leave a voicemail. Several other calls were made and voicemails left for 
  Ms. ******, with no response. The most recent call attempt was made on 4/1/25 with no response. Judgment was then entered as there was no appearance at the return dates from the debtor or response from calls made." 
  
  
  

  Customer Answer

  Date: 04/30/2025

  If there’s a specific person due to the back and forth that would be helpful. When I call I have to leave a message and the voicemails left for me from them sounds like it’s possibly contracted workers not leaving a full voicemail saying, “Hello, hello...” Then the call ends

   

  

  Business Response

  Date: 05/15/2025

  DNF Associates, LLC (Hereinafter, “DNF”) has received the above referenced complaint, which has been forwarded for investigation and response. Upon receipt of the complaint, the Account in question was placed in a temporary cease status. 

  To clarify; DNF is a passive debt-buyer that purchases charged off receivables and outsources them to collection agencies and/or Attorneys to recover past due amounts. We do not have the ability to open lines of credit nor perform collection services or accept payments. 

  Ms. ******'s *** *** account ending in 4213 (Hereinafter, "the Account") was purchased from ***** * ******** Bank in February of 2023. The Bill of Sale from that purchase has been attached to this response. 

  The Account in question was opened with Ms. ******'s social security number, birthdate, email address of *************@GMAIL.COM and a mailing address of **** * ******* Ave. Milwaukee, WI 53218 

  The Account was opened on 12/10/2013 with regular monthly payments applied and was charged off due to delinquency on 01/31/2023 with a balance of $804.86. 

  We contacted *********** Law Firm LLC and they responded with the below: 

  "Suit was filed 11/22/24, we were unable to serve so publication was completed 1/10/25. 

  The first contact we received from the Ms. ****** was an email on 1/17/25 disputing a different account in our office, so we mailed the documentation for that account, in the email the subject included the reference number for this account, she did not dispute the DNF Associates account. 

  A voicemail was received 1/27/25 requesting a call back after 4:30, we did attempt to call back after 4:30 on 1/29/25 and had to leave a voicemail. Several other calls were made and voicemails left for 

  Ms. ******, with no response. The most recent call attempt was made on 4/1/25 with no response. Judgment was then entered as there was no appearance at the return dates from the debtor or response from calls made." 

  
  

• Initial Complaint

  Date:04/07/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Re: Dispute of Account Number ********* – Fraudulent Activity
  
  Dear Sir/Madam,
  
  I am writing to dispute the account listed under the reference number above on my credit report. This account was opened without my authorization, and I have no recollection of applying for or agreeing to any terms with DNF ASSOC. As a result, I believe it constitutes fraudulent activity.
  
  In accordance with 15 USC 1692g (Validation of Debts), I am requesting that you provide verification of this debt or a copy of the judgment within 30 days of this notice. To date, I have not received any signed documentation or contract that proves I consented to this account. Without a valid, signed agreement, there is no legal basis for this account to be associated with my name.
  
  Since I believe this account was fraudulently established, I request its immediate removal from my credit report and ask that all collection activities related to this account cease. If you are unable to provide the necessary documentation within the 30-day period, you are required by law to remove the account from my credit file and stop any further collection attempts.
  Please confirm receipt of this letter, and inform me of the next steps to resolve this issue.

  

  Business Response

  Date: 04/07/2025

  DNF Associates, LLC (Hereinafter, "DNF") has received the above referenced complaint, which has been forwarded for investigation and response. Upon receipt of the complaint, the Account in question was placed in a temporary cease status.  To clarify; DNF is a passive debt-buyer that purchases charged off receivables and outsources them to collection agencies and/or Attorneys to recover past due amounts. We do not have the ability to lines of credit nor perform collection services or accept payments. open  Mr. ********* **** * ******* * ********** *** account ending in **** (Hereinafter, "the Account") was purchased from *** **** ** ******** ****** in October of 2024. The Bill of Sale from that purchase has been attached to this response as well as an email from **** * ******** informing Mr. ******* of the sale.  The Account in question was opened with Mr. ********* social security number, birthdate, email address of ************************* and a mailing address of ***** ** **** **** ******** ** *****.  The Account was opened on 11/08/2022 with regular monthly payments applied and was charged off due to delinquency on 09/15/2024 with a balance of $1,653.43. Billing statements to support this have been attached to this response. On 12/18/2024, DNF Associates, LLC placed a ********* on Mr. ********* ***** ***** credit report. As a passive debt-buyer and current creditor of the Account, DNF Associates, LLC holds the right to do so in accordance with 15 U.S. Code § 1681b:  "S1681b. Permissible purposes of consumer reports  (a) In general  Subject to subsection (c) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other:  *** 
  ********** 
  **** ** ****** ***** ***** **** ********** ** ****** *** ************* (3-A) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer;"  We have updated Mr. ********* credit report as “DISPUTED” as per the Fair Credit Reporting Act (FCRA).  If Mr. ******* would like to discuss how to resolve the amount owed or can provide further information on his fraud claim, he may contact our office during business hours, we can reinvestigate his claim or if he would like to resolve, we can place the Account with a third-party collection agency  to collect on our behalf.  Thank you for the opportunity to address and resolve this matter. If we can be of any further assistance to your Organization, please do not hesitate to contact me at ************.  Sincerely, David ********

• Initial Complaint

  Date:03/24/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  To Whom it may concern,
  This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
  **************** Under the Fair Credit Reporting Act, 15 U.S.C. § 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don’t respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

  

  Business Response

  Date: 03/31/2025

  DNF Associates, LLC (Hereinafter, “DNF”) has received the above referenced complaint, which has been forwarded for investigation and response. Upon receipt of the complaint, the Account in question was placed in a temporary cease status. To clarify; DNF is a passive debt-buyer that purchases charged off receivables and outsources them to collection agencies and/or Attorneys to recover past due amounts. We do not have the ability to open lines of credit nor perform collection services or accept payments.  Mr. *************'s **** * ******* * ****** account ending in **** (Hereinafter, "the Account") was purchased from *** **** ** ******** ****** in December of 2024. The Bill of Sale from that purchase has been attached to this response as well as an email from **** * ******* informing Mr. ************* of the sale.  The Account in question was opened with Mr. *************'s social security number, birthdate, email address **********************of and a mailing address of **** * ****** *** ****** ** *****.  The Account was opened on 12/01/2022 and was charged off due to delinquency on 11/08/2024 with a balance of $1,815.90. Billing statements with original charge, Last payment and last statement to support this have been attached to this response. On 2/17/2024, DNF Associates, LLC placed a Tradeline on Mr. *************'s ***** ***** credit report. As a passive debt-buyer and current creditor of the Account, DNF Associates, LLC holds the right to do so in accordance with 15 U.S. Code § 1681b: "S 1681b. Permissible purposes of consumer reports  (a) In general  Subject to subsection (c) of this section, any  consumer reporting agency may furnish a consumer report under the following circumstances and no other:  (3-A) intends to use the information in connection with a credit transaction involving   the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer;"  We have updated Mr. *************'s credit report as "DISPUTED" as per the Fair Credit Reporting Act (FCRA).  If Mr. ************* would like to discuss how to resolve the amount owed, he may contact our office during business hours, and we will place the Account with a third-party collection agency to collect on our behalf.  Thank you for the opportunity to address and resolve this matter. If we can be of any further assistance to your Organization, please do not hesitate to contact me at ************. Sincerely,  David ** ****** Chief Compliance Officer

• Initial Complaint

  Date:03/17/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I honestly don’t get why DNF ASSOC is reporting this debt under my name because I don’t owe them anything. I never signed anything with them, and when I asked for a copy of the original application, they didn’t even bother to provide it. It’s frustrating because this is hurting my credit for no reason, and it’s just not fair. How can they just put something on my report without any proof?
  
  Account No: **************** 
  Amount Disputed: $1,734

  

  Business Response

  Date: 03/27/2025

  DNF Associates, LLC (Hereinafter, "DNF") has received the above referenced complaint, which has been forwarded for investigation and response. Upon receipt of the complaint, the Account in question was placed in a temporary cease status. To clarify; DNF is a passive debt-buyer that purchases charged off receivables and outsources them to collection agencies and/or Attorneys to recover past due amounts. We do not have the ability to open lines of credit nor perform collection services or accept payments.  Ms. ********'s **** * ******* ***** ***** account ending in **** (Hereinafter, "the Account") was purchased from ** **** ** ******** ******T in June of 2024. The Bill of Sale from that purchase has been attached to this response as well as an email from **** * ******* informing Ms. ******** of the sale.  The Account in question was opened with Ms. ********'s social security number, birthdate, and a mailing address of **** * **** *** ******** ** *****  The Account was opened on 11/13/2022 and was charged off due to delinquency on 05/20/2024 with a balance of $504.91. Billing statements to support this have been attached to this response.  On 08/22/2024, DNF Associates, LLC placed a Tradeline on Ms. ********'s ***** ***** credit report. As a passive debt-buyer and current creditor of the Account, DNF Associates, LLC holds the right to do so in accordance with 15 U.S. Code § 1681b: S  "S 1681b. Permissible purposes of consumer reports  (a) In general  Subject to subsection (c) of this section, any  consumer reporting agency may furnish a consumer report under the following circumstances and no other:  (3-A) intends to use the information in connection with a credit transaction involving  the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer;"   We have updated Ms. ********'s credit report as “DISPUTED” as per the Fair Credit Reporting Act (FCRA).  If Ms. ******** would like to discuss how to resolve the amount owed, She may contact our office during business hours, and we will place the Account with a third-party collection agency to collect on our behalf.  Thank you for the opportunity to address and resolve this matter. If we can be of any further assistance to your Organization, please do not hesitate to contact me at ************.  Sincerely,David ***********

• Initial Complaint

  Date:03/14/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I honestly don’t get why DNF ASSOC is reporting this debt under my name because I don’t owe them anything. I never signed anything with them, and when I asked for a copy of the original application, they didn’t even bother to provide it. It’s frustrating because this is hurting my credit for no reason, and it’s just not fair. How can they just put something on my report without any proof?
  
  Account No:****************
  Amount Disputed: $1,052

  Customer Answer

  Date: 06/27/2025

  I am writing to formally request validation of the alleged debt associated with my account,identified by the account number DNF ASSOC - **************** - FDCPA Section 807 Violation Misleading - This account is inaccurately reported. Under 15 U.S.C. § 1681s-2(b), data furnishers are required to ensure accuracy when reporting. Please delete this account if it cannot be substantiated. Pursuant to the Fair Debt Collection Practices Act (FDCPA) § 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the followinginformation within the next 30 days: 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in Michigan If any of the above information is not available, please provide an explanation as to why. Additionally, I request that all collection activities cease until the requested verification is provided. This includes any communication related to the alleged debt or any reporting to credit bureaus. Failure to comply with this request may result in legal action. Your cooperation in providing the necessary documentation is appreciated and will help resolve this matter promptly. Please send all correspondence regarding this matter to the address listed above. If you are unable to provide the requested information, kindly inform me in writing. Thank you for your prompt attention to this matter. 

  

  Business Response

  Date: 06/27/2025

  DNF Associates, LLC (Hereinafter, "DNF") has received the above referenced complaint, which has been forwarded for investigation and response. Upon receipt of the complaint, the Account in question was placed in a temporary cease status.  To clarify; DNF is a passive debt-buyer that purchases charged off receivables and outsources them to collection agencies and/or Attorneys to recover past due amounts. We do not have the ability to open lines of credit nor perform collection services or accept payments.  Mr. ******s **** * ******* * ***** ******** ********* account ending in **** (Hereinafter, “the Account") was purchased from *** **** ** ******** ****** in October of 2024. The Bill of Sale from that purchase has been attached to this response as well as an email from **** / ******* informing Mr. ***** of the sale.  The Account in question was opened with Mr. ******s social security number, birthdate, and a mailing address of *** **** ***** *** *** ******** ** ******  The Account was opened on 05/10/2023 and was charged off due to delinquency on 09/15/2024 with a balance of $1,051.53. Billing statements to support this have been attached to this response. On 12/18/2024, DNF Associates, LLC placed a Tradeline on Mr. ******s ***** ***** credit report. As a passive debt-buyer and current creditor of the Account, DNF Associates, LLC holds the right to do so in accordance with 15 U.S. Code 1681b:  S  "S 1681b. Permissible purposes of consumer reports  (a) In general  Subject to subsection (c) of this section, any  consumer reporting agency may furnish a consumer report under the following circumstances and no other:  (3-A) intends to use the information in connection with a credit transaction involving  the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer;"  We have updated Mr. ******s credit report as "DISPUTED" as per the Fair Credit Reporting Act (FCRA).  If Mr. ***** would like to discuss how to resolve the amount owed, he may contact our office during business hours, and we will place the Account with a third-party collection agency to collect on our behalf.  Thank you for the opportunity to address and resolve this matter. If we can be of any further assistance to your Organization, please do not hesitate to contact me at ************.  Sincerely, David *********

• Initial Complaint

  Date:03/13/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Dear BBB Representative,
  
  I am filing a formal complaint against DNF for harassment and unlawful debt collection practices in violation of the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692 et seq.
  
  Complaint Details:
  
  The alleged debt in question is past the statute of limitations and is legally unenforceable.
  Despite this, [Debt Collector’s Name] has continued to contact me and my family members, which constitutes harassment.
  I previously sent a cease and desist letter, yet they sold the debt to another agency, which is now also contacting me.
  Their repeated attempts to collect or transfer this time-barred debt violate federal regulations and cause undue distress.
  Requested Resolution:
  I request that DNF
  
  Immediately cease all contact with me and my family regarding this debt
  Stop selling or transferring this debt to other agencies
  Remove any negative reporting (if applicable) from my credit report
  Comply with all FDCPA regulations moving forward
  I am prepared to escalate this complaint to the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and my state Attorney General’s office if necessary.
  
  I appreciate your prompt attention to this matter and look forward to your response. Please confirm receipt of this complaint.

  

  Business Response

  Date: 03/14/2025

  DNF Associates has received the above referenced
  complaint, which has been forwarded for investigation and response. Upon receipt of the complaint, the account was
  placed in a cease status and withdrawn from the servicing collection agency.
  
  To clarify for Ms. ********, DNF Associates, LLC is a passive debt-buyer that purchases charged off
  receivables and outsources them to collection agencies and/or Attorneys to
  recover past due amounts. We do not have the ability to perform collection
  services or accept payments. The only account we have for Ms. ******** has been closed in our system since January 2024 and has not been placed at any agency since that time and has been in Cease status.

   

  Thank you for the
  opportunity to address and resolve this matter. 
  If we can be of any further assistance to your organization, please feel
  free to contact me directly. 

  Customer Answer

  Date: 03/14/2025

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

• Initial Complaint

  Date:02/17/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I made an agreement with this company or the third party company they use to collect a debt to settle a debt so it would not go on my credit report. The legal agreement was that I could pay half of what was owed and they would not put it on my credit report. I paid the debt off as agreed and they still put it on my credit report for more than the payment agreement was for. Then after I payed the debt off in January for $800, they put the $1100 debt on my credit report damaging my credit in February. They do not honor agreements when collecting debt as they claim. This is a dishonest company and they should not be able to do business

  

  Business Response

  Date: 02/25/2025

  
  DNF Associates, LLC (Hereinafter, "DNF"') has received the above referenced complaint, which has
  been folwarded for investigation and response. Upon receipt of the complaint the account in
  question was placed in a temporary cease status.
  To clarify DNF is a passive debt-buyer that purchases charged off receivables and outsources them
  to collection agencies and/or Attorneys to recover past due amounts. We do not have the ability to
  open lines of credit nor perform collection services or accept payments.
  The Account in question has been resolved and has been updated as Paid In Full in our system.
  DNF placed a tradeline on Ms. *******'s ***** ***** credit profile on or around 08/15/2023, well
  before any arrangement was made with the collection agency it was placed with. I requested all the
  call recordings from the agency and at no time was Ms. ******* advised it would not be credit reported
  as when the account was placed with the agency, it was already reported.
  We have updated the information furnished to Ms. *******'s tradeline as Paid In full and we find no
  error in our reporting. If Ms. ******* has any questions or concerns, she may contact me at any time
  to discuss.
  Thank you for the opportunity to a and resolve tlis matter. If we can be of any further assistance
  to your Organization, please do n ate to contact me at ###-###-####.
  Chief Compliance Officer

  Customer Answer

  Date: 02/25/2025

  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.
  
  
  This response is a lie my credit was pulled in 2024 by a mortgage company and DNF was nowhere on my credit report. This company is scheming for some reason and placed it on my credit report in Feb 2025 after it was paid off in Jan 2025
  
  
  
  Regards,
  
  
  
  ******** *******
  
  
  
  
  
  
  
  
  

• Initial Complaint

  Date:02/05/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt and I do not have a contract with DNF ASSOC plus they did not provide me with the original application like I asked.
  Account No: **************** Amount Disputed: $2,196

  

  Business Response

  Date: 02/12/2025

  DNF Associates, LLC (Hereinafter, “DNF”) has received the above referenced complaint, which has been forwarded for investigation and response. Upon receipt of the complaint, the Account in question was placed in a temporary cease status. To clarify; DNF is a passive debt-buyer that purchases charged off receivables and outsources them to collection agencies and/or Attorneys to recover past due amounts. We do not have the ability to open lines of credit nor perform collection services or accept payments. Mr. **** **** / ******* / ****** account ending in **** (Hereinafter, "the Account") was purchased from *** **** ** ******** (****) in November of 2024. The Bill of Sale from that purchase has been attached to this response as well as an email from **** / ******* informing Mr. **** of the sale. The Account in question was opened with Mr. ****'s social security number, birthdate, Email address of ************************** and a mailing address of **** ********* *** ***** *** **** ******* ** *****. The Account was opened on 06/01/2023 and was charged off due to delinquency on 10/15/2024 with a balance of $2,195.93. Billing statements to support this have been attached to this response. DNF placed a tradeline on Mr. ****'s ***** ***** credit profile on or around 1/15/2025. As the current creditor and owner of the Account, FCRA laws allow this. Since DNF has received this complaint, a dispute code has been added to the tradeline on 2/11/2025 to indicate it is in Dispute. After reviewing the information furnished to Mr. **** tradeline, we find no error in our reporting. If Mr. **** would like to discuss how to resolve the amount owed, he may contact our office during business hours, and we will place the Account with a third-party collection agency to collect on our behalf.. 

• Initial Complaint

  Date:02/03/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This accout was open in my name this is not my accout

  

  Business Response

  Date: 02/12/2025

  
  DNF Associates, LLC (Hereinafter, "DNF") has received the above referenced complaint, which has
  been forwarded for investigation and response. Upon receipt of the complaint, the Account in
  question was placed in a temporary cease status.
  To clarify; DNF is a passive debt-buyer that purchases charged off receivables and outsources them
  to collection agencies and/or Attorneys to recover past due amounts. We do not have the ability to
  open lines of credit nor perform collection services or accept payments.
  Ms. *******'s **** / ******* / ***** **** ********* account ending in **** (Hereinafter, "the
  Account") was purchased from *** **** ** ******** (****) in August of 2024. The Bdl of Sale
  from that purchase has been attached to this response as well as an email from **** / *******
  informing Ms. ******* of the sale.
  The Account in question was opened with Ms. *******'s social security number, birthdate, Email
  address of **************************** and a mailing address of ***** ****** **. Detroit,
  MI 48221.
  The Account was opened on 11/17/2023 and was charged off due to delinquency on 07/24/2024
  with a balance of $2,499.96. Billing statements to support this have been attached to this response.
  DNF placed a tradehe on Ms. *******'s ***** ***** credit profile on or around 10/14/2024. As
  the current creditor and owner of the Account, FCRA laws allow this. Since DNF has received this
  complaint, a dispute code has been added to the tradeline on 12/10/2025 to indicate it is in Dispute.
  After reviewing the information furnished to Ms. *******'s tradeline, we find no error in our reporting.
  
  If Ms. ******* would like to discuss how to resolve the amount owed, she may contact our office
  during business hours, and we will place the Account with a third-party collection agency to collect
  on our behalf. - - - - - - -
  Thank you for the opportunity to address and resolve this matter. If we can be of any further assistance
  to your Organization, please do not hesitate to contact me at ###-###-####. n
  Chief Compliance Officer
  
  
  
  
  
  
  
  

  Customer Answer

  Date: 02/12/2025

  I never opened an account with that company at all  according to 15 usc 1692 c they have violated my rights by unlawful communications and I want it removed from my report 

• Initial Complaint

  Date:01/28/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt and I do not have a contract with DNF ASSOC plus they did not provide me with the original application like I asked.
  Account No: ************ Amount Disputed: $3499

  Customer Answer

  Date: 02/03/2025

  See attached

  

  Business Response

  Date: 02/06/2025

  
  DNF Associates, LLC (Hereinafter, "DNF") has received the above referenced complaint, which has
  been forwarded for investigation and response. Upon receipt of the complaint, the Account in
  question was placed in a temporary cease status.
  To clarify; DNF is a passive debt-buyer that purchases charged off receivables and outsources them
  to collection agencies and/or Attorneys to recover past due amounts. We do not have the ability to
  open lines of credit nor perform collection services or accept payments.
  Ms. ******'s **** / ******* / ****** ******** account ending in **** (Hereinafter, "the
  Account") was purchased from *** **** ** ******** *****) in July of 2024. The Bill of Sale from
  that purchase has been attached to this response as well as an email from **** / ******* informing
  Ms. ****** of the sale.
  The Account in question was opened with Ms. ******'s social security number, birthdate and a
  mailing address of **** ****** **** **** **** ** Augusta. GA 30909.
  The Account was opened on 09/19/2023 and was charged off due to delinquency on 06/14/2024
  with a balance of $3,498.84. Billing statements to support this have been attached to this response.
  DNF placed a tradeline on Ms. ******'s Trans Union credit profile on or around 09/13/2024. As
  the current creditor and owner of the Account, FCRA laws allow this. Since DNF has received h s
  complaint, a dispute code has been added to the tradeline on 02/03/2025 to indicate it is in dispute.
  After reviewing the information furnished to Ms. ******'s tradeline, we fitld no error in our reporting.
  If Ms. ****** would like to discuss how to resolve the amount owed, she may contact our office
  during business hours, and we will place the Account with a third-party collection agency to collect
  on our behalf.
  ASSOCIATES
  2351 N. Forest Road, Suite 110, Getzville, NY 14068, PH: ###-###-####
  Thank you for the opportunity to address and resolve tl$s matter. If we can be of any further assistance
  to your Organization, please ot hesitate to contact me at ###-###-####.
  Chief Compliance Officer