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:11/06/2024

  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.

  iam not liable for this debt with ******* and don't have contact with DNF ASSOCIATES LLC. they did not provide me with the original application I Ike I asked.

  Customer Answer

  Date: 11/08/2024

  I recently reviewed a copy of my credit report and notice I Had fraudulent account on my report. Please remove these account from my report, they are hurting my ability to obtain credit.

  

  Business Response

  Date: 11/22/2024

  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 cease status. To clarify for Mr. *****; 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 delinquent **** * ******* * ****** account ending in **** (Hereinafter, "the Account") was purchased from *** **** ** ******** in October of 2024. Please find the Bill of Sale linked to this purchase attached to this response.  The Originator notified the Complainant of this transaction via email to his confirmed email address. Please find a copy of that notice attached to our response. The Originator did not notify us of any dispute received in response to that notice.  The Account was opened on 02/11/2024 and kept in good standing until it was charged-off due to delinquency on 09/17/2024 with a balance of $4235.00. Mr. ***** made his first and final payment toward the Account on 03/13/2024 in the amount of $66.67, which was his minimal payment due at the time. Please find attached billing statements to confirm this information. The Originator has not notified us of any dispute regarding the validity of this Account.  Since DNF's purchase of the Account, Mr. ***** has discussed arrangements with a collection agency hired by DNF, with his last contact with them being 11/01/2024. Unfortunately, he was unable to come to an agreement and no resolution has been reached. According to the placement file provided by the Originator, the Account was opened with Mr. *****'s social security number, his birthdate, his confirmed daytime phone number, his confirmed mailing address and a confirmed email address of *****************************. Because of the information being linked to Mr. ***** and the Account History we do not find the Account to be fraudulent or false in nature. If Mr. ***** can provide proof of fraudulent activity (I.E. police reports filed at the time of the incident, communications with the Originator, etc.), we will reinvestigate.  DNF has not yet placed a tradeline on any of Mr. *****'s credit bureau reports. However, we would like to notify Mr. ***** that this Complaint does not hinder DNF's right to report in the future. FCRA laws allow this, as DNF meets the criteria for a passive debt-buyer and current creditor of the Account.  If Mr. ***** would like to discuss how to resolve the balance owed on the Account, he should contact ******* ********** ********* *** at ************, as they have been hired by DNF to negotiate and 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:11/03/2024

  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.

  Not liable for this debt with DNF Associates I do not have a contract with this collection agency. They did not provide me with the original contract as requested. I request this be deleted from my credit report not accurate. Both accounts are not accurate.

  

  Business Response

  Date: 11/14/2024

  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 cease status. To clarify for Ms. *******; 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, "Account A") was purchased by DNF from *** **** ** ******** in April of 2024.  Please find the Bill of Sale linked to this purchase attached to this response. *** **** ** ******** notified Ms. ******* of this transaction via email to her confirmed email address.  Please find attached a copy of this notice. Account A was opened on 10/18/2021 and kept in good standing until it was charged-off due to delinquency on 03/25/2024 with a balance of $1096.04.  Ms. ******* made her final payment towards Account A on 12/06/2023 in amount of $17.00, which did not the meet the minimum payment due at that time.  Please find attached billing statements to confirm this information.  Ms. ******* first became delinquent on Account A on or around 08/27/2023 , nearly two (2) years after the account was opened.   According to the placement file provided by the Originator, Account A was opened under Ms. *******'s name, social security number, birthdate, previous address, phone number and email address.  We have since updated the file to reflect Ms. *******'s most recent contact information. Ms. *******'s ******************* account ending in **** (Hereinafter, "Account B") was purchased by DNF from ******* ******* **** in June of 2024.  Please find the Bill of Sale linked to this purchase attached to this response.   Account B was opened on 06/08/2019 and kept in good standing until it was charged-off due to delinquency on 05/16/2024 in the amount of $231.00.  Unfortunately, this payment, as well as many others, was declined.  Please find attached billing statements to confirm this information.  Ms. ******* first became delinquent on Account B on or around 12/14/2023, over four (4) years after the account was opened.   According to the placement file provided by the Originator, Account A was opened under Ms. *******'s name, social security number, birthdate, previous address, phone number and email address.  We have since updated the file to reflect Ms. *******;s most recent contact information. Because the information can be linked to Ms. ******* and the years of Payment History we do not find the Account to be fraudulent or false in nature.  If Ms. ******* can provide proof of fraudulent activity (I.E. police reports filed at the time of the incident, communications with the Originator, etc.), we will reinvestigate.   DNF placed a tradeline on Ms. *******'s Trans Union report regarding Account A on or around 06/19/2024.  DNF placed a tradeline on Ms. *******'s Trans Union report regarding Account B on or around 08/22/2024.  FCRA laws allow this, as DNF meets the criteria for a passive debt-buyer and current creditor of the Accounts.  Since receipt of this complaint, we have added a Compliance Condition Code to both tradelines DNF furnished to indicate the Accounts are in dispute.  We find no error in our credit reporting. If Ms. ******* would like to discuss how to resolve the balances owed on the accounts, she may contact us during business hours.  We will then place the Account with a third-party collection agency in our network to negotiate and process payments 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:10/19/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not responsible for the debt associated with ********* ******** ****, and I do not have a contract with DNF Associates, they failed to provide me with the original contract as i requested.

  Customer Answer

  Date: 10/23/2024

  In the letter I asked them for original contracts with them & none were ever sent to me 

  

  Business Response

  Date: 11/25/2024

  DNF Associates, LLC (Hereinafter, "DNF") has received the above referenced complaint, which has been forwarded for investigation and response. Upon receipt of this Complaint, the Account in question was placed in a 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. ******** delinquent ********* **** * ******** **** account ending in **** (Hereinafter, "the Account"). was purchased from ********* **** in December of 2023. Please find the Bill of Sale linked to this purchase attached to our response.  The Originator notified Mr. ****** of this transaction via **** to his confirmed mailing address. Please find attached a copy of that notice. The Originator did not notify us of any dispute received in response to that notice.  The Account was opened on 06/03/2022 and charged-off due to delinquency on 10/09/2023 with a balance of $2287.54. Prior to charge-off, Mr. ****** made his final payment towards the Account on 03/17/2023 in the amount of $82.00. Billing statements to support this have been attached to our response. Since DNF purchased the Account, no payments have been received.  According to the placement file provided by the Originator, the Account was opened with Mr. ******** name, birthdate, social security number, his confirmed daytime phone number and his confirmed mailing address.  DNF furnished a tradeline to Mr. ******** ***** ***** credit profile on or around 02/22/2024. FCRA Laws allow this, as DNF is the current creditor and owner of the Account. The statute for removing a tradeline is seven (7) years after the first date of delinquency. Since receipt of this Complaint, DNF has placed a Compliance Condition Code to the tradeline to indicate the Account is in dispute. We find no error in our reporting.  We urge Mr. ****** to contact DNF directly during business hours at *************, via email at ********************** or through our website at ********************* if he would like to  discuss resolving the Account. We will then place the Account with a third-party collection agency to negotiate and process payment 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:09/13/2024

  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 don't received valid request this debt
  I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney General’s office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance as per FDCPA § 807. False or misleading representations [15 USC 1962e] Delete this account immediately from my 3 report inmediately because is result identity theft

  

  Business Response

  Date: 09/23/2024

  DNF Associates, LLC has received the above referenced complaint, which has been forwarded for investigation and response. To clarify for Mr. *******, DNF Associates, LLC (Hereinafter, “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 perform collection services or accept payments. 
  Mr. ******* initially notified DNF of his fraud claim via facsimile on or around 9/10/2024. A fraud packet was emailed to Mr. ******* to fill out and return to DNF. Please find a copy of that email attached to our response. We have not yet received any response from Mr. ******* regarding this fraud packet. 
  *** ******* ******, Inc. / **** / The **** ***** account ending in 9641 (Hereinafter, "the Account") was purchased directly from ******* ****** Inc. in December of 2023. A copy of the Bill of Sale from that purchase has been attached to this response. 
  The Account was opened on 12/16/2022 and stayed in good standing until it was charged-off due to delinquency on 11/21/2023 with a balance of $1470.91. Mr. ******* made his final payment towards the Account on 03/28/2023 in the amount of $63.07. Please find billing statements to support this attached to our response. 
  DNF furnished a tradeline to Mr. *******'s ***** ***** credit profile on or around 02/22/2024. FCRA laws allow this, as DNF meets the requirements for a passive debt-buyer and current creditor of the Account. The statute for reporting a collection account is seven (7) years after the first date of delinquency. Since receipt of his initial fraud claim, DNF furnished a Compliance Condition Code to the tradeline to indicate the Account is in dispute. 
  DNF 
  ASSOCIATES 
  2351 N. Forest Road, Suite 110, Getzville, NY 14068, PH: ###-###-#### 
  If after reviewing this information, Mr. ******* would like to discuss how to resolve the Account, he may contact DNF during business hours. We will then place the Account with a collection agency to negotiate and take payment on DNF's behalf. 
  If Mr. ******* still believes the Account to be fraudulent, we request he fills out and returns the fraud packet provided to initiate an investigation. 
  Thank you 
  for the opportunity to respond to this matter. If we can be of any further assistance, please feel free to contact us directly. 
  

  
  

  
  

• Initial Complaint

  Date:09/02/2024

  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 is a debt buyer that is psychological harrasing me I need to see a wet ink contract between the two of us. If not and I continue to be harassed, I will hire legal counsel because this is not a credit trans

  

  Business Response

  Date: 09/12/2024

  DNF Associates, LLC has received the above referenced complaint, which has been forwarded for investigation and response. To clarify for Mr. *****, DNF Associates, LLC (Hereinafter, "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 perform collection services or accept payments. DNF is not "also known as ******* ********** ******** ****". The collection agency was hired by DNF to collect on our behalf.  Mr. *****' delinquent ********* **** * *** **** * *** **** account ending in **** (Hereinafter, “the Account") was purchased directly from ********* **** in November of 2023. A copy of the Bill of Sale from that purchase has been attached to this response. ********* **** sent Mr. ***** notice of this transaction on 11/29/2023 via USPS to his confirmed mailing address. Please find a copy of that notice attached to our response. Preceding this, Mr. ***** opened the Account on 06/01/2022. The Account stayed in good standing until it was charged-off due to delinquency on 09/22/2023 with a balance of $908.30. Mr. ***** made his final payment towards the Account on 05/26/2023 in the amount of $65.00. Please find billing statements to support this attached to our response.  When Mr. ***** opened the Account, he agreed to the credit terms orchestrated by ********* ****. A copy of these terms is included in our response. These terms include and are not limited to:  "... Assignment. We may sell, assign or transfer any or all of our rights or duties under this Agreement to your account, including our rights to payments..."  Furthermore, DNF would like to clarify that we show no record of "psychological harassment". If Mr. ***** has documentation to provide further information regarding this claim, we request he include it in his next  response. DNF furnished a tradeline to Mr. *****'s ***** ***** credit profile on or around 02/22/2024. FCRA laws allow this, as DNF meets the requirements for a passive debt-buyer and current creditor of the Account. The statute for reporting a collection account is seven (7) years after the first date of delinquency. If after reviewing this information, Mr. ***** would like to discuss how to resolve the Account, he may contact DNF during business hours. We will then place the Account with a collection agency to negotiate and take payment on DNF's behalf. Thank  you for the opportunity to respond to this matter. If we can be of any further assistance, please feel free to contact us directly. 

• Initial Complaint

  Date:08/31/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with *** **** ***** **** ******** **, I do not have a contract with DNF ASSOCIATES., they did not provide me with the original contract as i requested.

  Customer Answer

  Date: 09/25/2024

  This company put a debt in my credit report that was not mine that are not following the laws ruining my credit score and improperly and without the proof.

  

  Business Response

  Date: 10/04/2024

  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 cease status. To clarify for Mr. *********-*********; 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 January of 2023. Please find the Bill of Sale linked to this purchase attached to this response. The Originator notified Mr. *********-********* of this transaction via email. Please find attached a copy of that notice. The Originator did not notify us of any dispute received in response to that notice. The Account was opened on or around 10/10/2016 and kept in good standing until it was charged- off due to delinquency on 02/19/2018 with a balance of $940.23. Mr. *********-********* made his final payment towards the Account on 01/11/2018 in the amount of $54.09. According to the placement file provided by the Originator, the Account was opened with Mr. *********-*********'s social security number, his birthdate, his confirmed former mailing address of *** *** ***** ** ********** ** ***** and his confirmed email address of ***************************. Because of the information being linked to Mr. *********-********* and the duration the Account was in good standing (payments, etc.), we do not find the Account to be fraudulent or false in nature. If Mr. *********-********* can provide proof of fraudulent activity (I.E. police reports filed at the time of the incident, communications with the Originator, etc.), we will reinvestigate. DNF placed a tradeline on Mr. *********-*********'s Trans Union report on 04/03/2023. FCRA laws allow this, as DNF meets the criteria for a passive debt-buyer and current creditor of the Account. Since receipt of this complaint, we have added a Compliance Condition Code to the tradeline DNF furnished to indicate the Account is in dispute. We find no error in our reporting. If Mr. *********-********* would like to discuss how to resolve the balance owed on the Account, he may contact us during business hours. We will then place the Account with a third-party collection agency in our network to negotiate and process payments 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 J. M***** 

• Initial Complaint

  Date:08/23/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with DNF Associates. I never entered into a contract with DNF Associates and they have failed to provide the original contract as requested.

  Customer Answer

  Date: 08/23/2024

  I do not have an obligation with the original creditor *******. The collections agency, DNF Associates, has failed to provide me with the original agreement from *******. In accordance with the FCRA I have a right to an accurate credit report and this is in violation of that right. I have no knowledge of this account, please remove from my credit report immediately.

  

  Business Response

  Date: 09/03/2024

   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 cease status. To clarify for Ms. *********; 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. *********** ************ * ******* account ending in 1465 (Hereinafter, "the Account") was purchased from *** **** ** ******** in November of 2023. Please find the Bill of Sale linked to this purchase attached to this response.  The Originator notified Ms. ********* of this transaction via email. Please find attached a copy of that notification. The Originator did not notify us of any dispute receive in response to this notice.   The Account was opened on 03/02/2021 and kept in good standing until it was charged-off due to delinquency on 10/09/2023 with a balance of $1397.39. Ms. ********* made her final payment towards the Account on 08/18/2023 in the amount of $25.00, but unfortunately that payment declined. The Account's first date of delinquency, or when Ms. ********* first missed her payment, was 03/08/2023. Please find attached billing statements to confirm this information.   According to the placement file provided by the Originator, the Account was opened with Ms. *********** social security number, her birthdate, a mailing address of * **** ****** ** ********* ** ***** and a confirmed email address of ******************** Because the information can be linked to Ms. *********, we do not find the Account to be fraudulent or false in nature. If Ms. ********* can provide proof of fraudulent activity (I.E. police reports filed at the time of the incident, communications with the Originator, etc.), we will reinvestigate.   DNF placed a tradeline on Ms. *********** ***** ***** report on or around 02/22/2024. FCRA laws allow this, as DNF meets the criteria for a passive debt-buyer and current creditor of the Account.  Since receipt of this complaint, we have added a Compliance Condition Code to the tradeline DNF furnished to indicate the Account is in dispute. We find no error in our reporting.  If Ms. ********* would like to discuss how to resolve the balance owed on the Account, she may contact us during business hours. We will then place the Account with a third-party collection agency in our network to negotiate and process payments 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 ************* 

• Initial Complaint

  Date:07/23/2024

  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.

  DNF ASSOC (Original Creditor: 01 PENFED CREDIT UNION) (TU)
  3347459****
  Date Opened: 12/01/2023
  Balance: $16,259.00
  
  As per the FCRA as a federally protected consumer, I am option out of any and all authorization I the consumer may have given you written, unwritten, verbal, non-verbally per 15 USC 6802. This account is listed as a charge-off which is a certificate of indebtedness. I am sure (LDNF ASSOC ) has filed a 1099c. Income can’t be reported on a consumer report. My privacy was violated as per the Privacy Act 1974. This account needs to be removed from my consumer report. Privacy Act of 1974 (5 US Code § 552a) Any and all consent to Equifax, Experian, and Transunion whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC § 6802 (b)(c) states that “A financial institution may not disclose nonpublic personal information to a non-affiliated third party unless – the consumer is given an explanation of how the consumer can exercise that non-disclosure option. “You never informed me of my right to exercise non-disclosure option. Not only that 15 USC § 1681C (a)(5) states “ Except as authorized under subsection (b), no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. “This account is as adverse item they are reporting again without my permission which is against the law. 15 USC § 1681s-2 (A)(1) A states “ A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Pursuant to 12 CFR § 1016.1. Purpose and scope.(a) Purpose. This part governs the treatment of non-public personal information about consumers by the financial institutions listed in paragraph (b) of this section.

  

  Business Response

  Date: 07/31/2024

  
  DNF Associates, LLC (Hereinafter, "DNF') has received the above referenced complaint, which has been
  forwarded for investigation and response.
  DNF previously addressed Mr. *********'s concerns in our recent response to his CFPB complaint. Please find
  attached our response, as well as the documentation provided to Mr. *********.
  Because the claims of this Complaint have already been addressed, DNF will be taking no further action and
  consider this matter closed.
  Thank you for the opportunity to respond to this matter. If we can be of any further assistance, please feel free to contact us directly.
  Sincerely,
  Chief Compliance Officer
  
  
  
  
  
  
  
  
  

• Initial Complaint

  Date:04/28/2024

  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.

  Name:Tatiana ********
  Adress: *** ********* ***** ********* ** ***** DOB: 04/13/1987
  SSN: ****  Date:04/28/2024
  
  Bureau Name:DNF associate
  
  Bureau Address***** * ****** **** ***** *** ************ *****
  
  Recently, I did an investigation on my credit report and found several items on there to be inaccurate.
  
  Under 15 U.S. Code 1681e (b)Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall  follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.
  
  15 U.S. Code 1681i (5)Treatment of inaccurate or unverifiable information(A)In general if, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall—i)promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ii)promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
  
  Please remove the following items from my credit report, immediately:
  
  Accounts
  
  1.      DNF associate, Account#: ****** - This account is being reported inaccurately, please remove this from my credit report immediately

  

  Business Response

  Date: 05/07/2024

  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 for Ms. ********; 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 June of 2023 A copy of the Bill of Sale from that purchase has been attached to this response.  The Originator notified Ms. ******** of this transaction via email to her confirmed email address. A copy of that notice has been attached to this response. The Originator did not notify us of any dispute received in response to that notice.  Additionally, a former collection agency hired by DNF sent an initial collection notice to Ms. ******** via **** on 06/29/2023. The agency has no record of any dispute received in response to these notices. The notice described has been attached to this response. The Account in question was opened with Ms. ********'s social security number, birthdate, her confirmed email address of **********************, her confirmed daytime phone number of ************* and an address of *** ********* ** ********* ** ******  The Account was opened on 06/19/2022 and was charged off due to delinquency on 05/26/2023 with a balance of $1261.88. Ms. ******** made her last payment towards the Account on or around 10/22/2022 in the amount of $66.00 via debit. Billing statements to support this have been attached to this response.   DNF placed a tradeline on Ms. ********'s ***** ***** credit profile on or around 08/15/2023. 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 to indicate it is in dispute. After review of the information furnished to Ms. ********'s tradeline, we find no error in our reporting.  Because of the extensive account history and the information being linked to Ms. ********, we do not find the Account to be fraudulent in nature. If Ms. ******** can provide proof of fraudulent activity, we will reinvestigate. 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 ** ******  Chief Compliance Officer

• Initial Complaint

  Date:04/24/2024

  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 did not have a contract with DNF funding.. They did not provide me with the original contract

  

  Business Response

  Date: 05/10/2024

  
  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 closed
  with the current collection agency and placed in a cease status.
  To clarify for Mr. *****; 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 The **** ***** Home Improver Card account ending in **** (Hereinafter, "the Account") was
  purchased from *** **** ** ******** in January of 2023. Please find the Bill of Sale linked to this purchase
  attached to this response. -
  DNF has no record of a prior validation request from Mr. *****. The Account was opened on 11/12/2018
  and kept in good standing until it was charged-off due to delinquency on 12/17/2021 with a balance of $810.87.
  Please find attached billing statements to confirm this information.
  Additionally, the Account in question was placed with ***** ********* ******** (Hereinafter, "*****") on or
  around 03/25/2024. After investigation, ***** informed DNF that Mr. ***** Fulfilled a settlement offer on or
  around 04/10/2024 in the amount of $648.70. The Account has been marked settled in full in DNF's system.
  DNF reached out to all prior agencies the Account was placed with since our purchasing of the Account. Still,
  each agency reported that no request for validation was received.
  DNF will be updating our tradeline furnished to Mr. *****'s ***** ***** report to reflect the debt is satisfied.
  Our monlthly update is due to be reported on or around 05/17/2024.
  Thank you for the opportunity to and resolve this matter. If we can be of any furrher assistance to your
  Organization, please contact me at ###-###-####.
  Chief Compliance Officer