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:02/12/2024

  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 requested.

  Customer Answer

  Date: 02/12/2024

  I have no contract or agreement with dnf associates , they have had multiple collection companies contact me and threaten to sue if i dont pay a debt i never had with them , when i request for the original contract the company they had contact me stops but they have another compang contact me  and do the same thing.

  

  Business Response

  Date: 02/20/2024

  DNF Associates, LLC (Hereinafter, "DNF") has received the above referenced complaint, which has been forwarded for investigation and response. 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 credit accounts nor perform collection services or accept payments.  Mr. ******'s delinquent **** * ******* ****** ****** * ****** ****** account ending in **** (Hereinafter, "the Account") was purchased directly from *** **** ** ******** in April of 2023. A copy of the Bill of Sale from that purchase has been attached to this response. the Original Creditor sent Mr. Proceeding this transaction,  ****** notice via email to *******************. A copy of that notice has been attached to this response. The Original Creditor did not notify us of any dispute received in response to that notification.  When the Account was purchased by DNF, the placement file from the Original Creditor contained Mr. ******'s full social security number, birthday, a mailing address of *** ****** ** *********** ** ***** and an email of *******************. We have since updated his file to reflect his most recent mailing address.  The final purchase made on the Account was on or around 08/11/2022. A copy of the billing statement. including this purchase has been attached to this response. Mr. ******'s final payment was made directly to the Original Creditor towards the Account on 07/27/2022 in the amount of $378.00. Subsequently, the Account charged off due to delinquency on 03/19/2023 with a balance of $ 4153.04. Billing statements to support this have also been attached to this response.  DNF investigated Mr. ******'s claims of being threatened with legal action. Of the four (4) collection agencies DNF has placed the Account with since our purchase, no legal threats were made on any recordings DNF reviewed. If Mr. ****** can provide more information to this claim, DNF will reinvestigate.  DNF furnished a ********* to Mr. ******'s ***** ***** credit profile on or around 08/15/2023. 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. This ********* is due to be removed in or prior to September of 2029.  If after reviewing the provided information, Mr. ****** would like to resolve the outstanding balance, he may contact our office at ************ during our business hours, and we will place it with a collection agency to assist him in negotiation and payment. 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,David ****************

• Initial Complaint

  Date:02/07/2024

  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.

  These people are relentless. They garnished my paycheck with no prior notice stating that my employer is responsible for notifying me of legal action to garnish my wages. The company that they "bought" the account from has actually provided me credit over the past 12 months, so I do not understand how a company can legally "buy" a debt and collect on it. I am out $499.35 that was to be used to get my car fixed so my child can remain gainfully employed in this messed up system that constantly goes after we hard workers that may have stumbled financially in the past due to hardship, Covid, or just trying to manage day-to-day living. This type of predatory behavior by multi-million dollar companies needs to be stopped. I am notifying my state senator.  

  

  Business Response

  Date: 02/15/2024

  DNF Associates, LLC (Hereinafter, "DNF") has received the above referenced complaint, which has been forwarded for investigation and response. 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 credit accounts nor perform collection services or accept payments.  After investigation, we were able to locate two separate accounts purchased by DNF associated with Ms. ********. We can only assume she's referring to the Account that has not yet been paid as agreed.  According to the Attorney, Ms. ******** was sent notice on both accounts on 07/09/2020. The first account Ms. ******** resolved was sent for garnishment 04/06/2022. Ms. ******** made contact with the Attorneys 08/02/2022 and was able to come to a payment agreement. Garnishment was then released.  The Account we assume Ms. ******** is referring to in her complaint was sent and approved for garnishment in December of 2022. She would have been notified by her employer, as she stated in her Complaint.  Debt-buying is a common practice. DNF acquired the Account from the Original Creditor; this includes all the Original Creditor's rights per the Terms & Conditions. As the Current Creditor, DNF is well within its rights to place the Account with a collection agency or collection attorney for recovery purposes.  We'd like to ensure Ms. ******** DNF has never placed a tradeline on any of the three major credit bureaus regarding this account. If it's being reported by the Original Creditor as a "Charge-off"" or "Sold to another lender", that would be accurate regardless of any payments made to the debt-buyer or their affiliates.  If Ms. ******** has any further questions regarding this Account, we urge her to contact the Attorneys, as they will be most knowledgeable on the next steps after garnishment.  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  David ** ****** Chief Compliance Officer

• Initial Complaint

  Date:02/07/2024

  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 requested.

  Customer Answer

  Date: 02/07/2024

  Thank you for your response, I have attached the letter that was mailed to DNF Associates. 

  

  Business Response

  Date: 02/23/2024

  DNF Associates, LLC (Hereinafter, "DNF") has received the above referenced complaint, which has been forwarded for investigation and response. 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 credit accounts nor perform collection services or accept payments.  
  Mr. ****'s delinquent ******* * ** ******* account ending in **** (Hereinafter, "the Account") was purchased directly from ********* **** in July of 2023. A copy of the Bill of Sale from that purchase has been attached to this response.  
  Proceeding this transaction, the Original Creditor sent Mr. **** notice via ****. A copy of that notice has been attached to this response. The Original Creditor did not notify us of any dispute received in response to that notification.   
  Debt-buying is a common practice. DNF acquired the Account as stated above; this includes all the Original Creditor's rights per the Terms & Conditions. As the Current Creditor, DNF is well within its rights to place the Account with a collection agency for recovery purposes, as well as place a tradeline on Mr. ****'s credit bureau profile. We urge Mr. **** to read the Terms & Conditions associated with the Account in question. We've attached these terms for convenience, as well as all relevant documents pertaining to the Account. The Terms & Conditions include the below statement:  
  "12. ASSIGNMENT  
  We may assign your Loan and sell, assign or transfer any or all of our rights or duties under this Contract to another financial institution or company without prior notice to you. That person will take our place under this Contract.""""  
  If Mr. **** would like to resolve the balance associated with the Account, he may contact us during business hours, and we will place the Account with a licensed collection agency to aid Mr. **** is negotiation and payment.  
  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,  
  David ** ******  
  Chief Compliance Officer 
  
  
  

  Customer Answer

  Date: 02/26/2024

  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  I am requesting that the original contract between DNF Associates & myself with signatures from both parties concerning the debt that DNF Associates is claiming that I owe. 
  Regards,
  
  ***** ****

  Customer Answer

  Date: 02/27/2024

  There is nothing else I am needing besides the contract between DNF Associates and myself. Thank you. 

  

  Business Response

  Date: 02/27/2024

  DNF Associates, LLC (Hereinafter, "DNF") has received the above referenced complaint, which has been forwarded for investigation and response. 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 credit accounts nor perform collection services or accept payments.  Mr. ****'s delinquent ******* * ** ******* account ending in **** (Hereinafter, "the Account") was purchased directly from ********* **** in July of 2023. A copy of the Bill of Sale from that purchase has been attached to this response.  Proceeding this transaction, the Original Creditor sent Mr. **** notice via ****. A copy of that notice has been attached to this response. The Original Creditor did not notify us of any dispute received in response to that notification.   Debt-buying is a common practice. DNF acquired the Account as stated above; this includes all the Original Creditor's rights per the Terms & Conditions. As the Current Creditor, DNF is well within its rights to place the Account with a collection agency for recovery purposes, as well as place a tradeline on Mr. ****'s credit bureau profile. We urge Mr. **** to read the Terms & Conditions associated with the Account in question. We've attached these terms for convenience, as well as all relevant documents pertaining to the Account. The Terms & Conditions include the below statement:  "12. ASSIGNMENT  We may assign your Loan and sell, assign or transfer any or all of our rights or duties under this Contract to another financial institution or company without prior notice to you. That person will take our place under this Contract.""""  If Mr. **** would like to resolve the balance associated with the Account, he may contact us during business hours, and we will place the Account with a licensed collection agency to aid Mr. **** is negotiation and payment.  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,  David ** ******  Chief Compliance Officer 

• Initial Complaint

  Date:02/03/2024

  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.

  I am not liable for this debt with **** ******* , I do not have a contract with **** ******* , they did not provide me with the original contract as requested per the FCRA as a Federal Protective Consumer I am opted out of any and all obligations given to them to report my information to a third party per 15 USC 6802 and Privacy Act 1974

  

  Business Response

  Date: 02/14/2024

  DNF Associates, LLC (Hereinafter, "DNF") has received the above referenced complaint, which has been forwarded for investigation and response. 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 credit accounts nor perform collection services or accept payments.  Mr. ******'s delinquent **** * ******* * **** ******** ********* *** account ending in **** (Hereinafter, "the Account") was purchased directly from *** **** ** ******** in May of 2023. A copy of the Bill of Sale from that purchase has been attached to this response.  to Proceeding this transaction, the Original Creditor sent Mr. ****** notice via email *************************. A copy of that notice has been attached to this response. The Original Creditor did not notify us of any dispute received in response to that notification.  When the Account was purchased by DNF, the placement file from the Original Creditor contained Mr. ******'s full social security number, birthday, a mailing address of *** ******** ** ****** ** ***** and an email of *************************. Earlier billing statements show Mr. ****** opened the Account with a mailing address of ***** **** ** *** * ***** ***** ** *****, but later updated the Original Creditor to his most recent mailing address.   The final purchase made on the Account was on or around 08/09/2021. A copy of the billing statement including this purchase has been attached to this response. Mr. ******'s final payment was made directly to the Original Creditor towards the Account on 09/06/2022 in the amount of $120.00. Subsequently, the Account charged off due to delinquency on 04/09/2023 with a balance of $ 1083.07. Billing statements to support this have also been attached to this response.  DNF furnished a tradeline to Mr. ******'s ***** ***** credit profile on or around 08/15/2023. 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. This tradeline is due to be removed in or prior to October of 2029.  If after reviewing the provided information, Mr. ****** would like to resolve the outstanding balance, he may contact our office at ************ during our business hours, and we will place it with a collection agency to assist him in negotiation and payment. 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,   David ** ******  Chief Compliance Officer

  Customer Answer

  Date: 02/16/2024

  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  
   
  Regards, 
  
  ******* ******

• Initial Complaint

  Date:02/02/2024

  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.

  I do not have a contract with this company.

  

  Business Response

  Date: 02/15/2024

  DNF Associates, LLC (Hereinafter, "DNF") has received the above referenced complaint, which has been forwarded for investigation and response. 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 credit accounts nor perform collection services or accept payments.   Ms. ******'s delinquent **** * ******* ****** ****** * ***** ****** account ending in 5649 (Hereinafter, "the Account") was purchased directly from *** **** ** ******** in February of 2023. A copy of the Bill of Sale from that purchase has been attached to this response. Proceeding this transaction, the Original Creditor sent Ms. ****** notice via email to ******************. A copy of that notice has been attached to this response. The Original Creditor did not notify us of any dispute received in response to that notification.  Debt-buying is a common practice. DNF acquired the Account as stated above; this includes all the Original Creditor's rights per the Terms & Conditions. As the Current Creditor, DNF is well within its rights to place the Account with a collection agency for recovery purposes, as well as place a tradeline on Ms. ******' credit bureau profile.   If after reviewing the provided information, Ms. ****** would like to resolve the outstanding balance, she may contact our office at ************ during our business hours, and we will place it with a collection agency to assist her in negotiation and payment.  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,  David **********

• Initial Complaint

  Date:01/31/2024

  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 deeply troubled and upset that DNF ASSOC has not yet responded to my request. I sent a letter asking for proof of contract, as I require these accounts to be deleted from my credit report as they are in violation of my rights.

  

  Business Response

  Date: 02/12/2024

  DNF Associates, LLC (Hereinafter, "DNF") has received the above referenced complaint, which has been forwarded for investigation and response. 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 credit accounts nor perform collection services or accept payments.  Mr. *******'s delinquent **** * ******* * ****** ********* account ending in **** (Hereinafter, "the Account") was purchased directly from *** **** ** ******** in September of 2023. A copy of the Bill of Sale from that purchase has been attached to this response.  Proceeding this transaction, the Original Creditor sent Mr. ******* notice via email to *************************** and **************** . A copy of those notices has been attached to this response. The Original Creditor did not notify us of any dispute received in response to that notification.  When the Account was purchased by DNF, the placement file from the Original Creditor contained Mr. *******'s full social security number, birthday, a mailing address of *** ***** *** *** ** ***** ** ***** and an email of ***************************. We have since updated his file to reflect his most recent mailing address.  The final purchase made on the Account was on or around 10/02/2021. A copy of the billing statement including this purchase has been attached to this response. Mr. *******'s final payment was made directly to the Original Creditor towards the Account on 12/14/2022 in the amount of $329.79. Subsequently, the Account charged off due to delinquency on 08/15/2023 with a balance of $ 1742.00. Billing statements to support this have also been attached to this response.  Additionally, Mr. ******* has received several notices from DNF's contracted collection agencies. Our system indicates he opened ********* ********** *********' dunning notices, as well as their settlement offers regarding this Account over thirteen times between 10/25/2023 and 12/21/2023. Our system does not indicate Mr. ******* disputed any of the information pertaining to the Account, for any  reason.  DNF furnished a ********* to Mr. *******'s ***** ***** credit profile on or around 11/14/2023. 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. This ********* is due to be removed in or prior to January of 2030.  If after reviewing the provided information, Mr. ******* would like to resolve the outstanding balance, he may contact our office at ************ during our business hours, and we will place it with a collection agency to assist him in negotiation and payment. 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, David ** ****** 

• Initial Complaint

  Date:01/29/2024

  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 Associates placed an account on my credit report. I do not have a contract or account with DNF Associates.

  

  Business Response

  Date: 02/05/2024

  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 open credit lines nor perform collection services or accept payments.  Mr. *************'s delinquent **** ******** **** account ending in **** (Hereinafter, "the Account") was purchased directly from **** **** **** ******** *********** (Hereinafter, "Original Creditor") by DNF on or around 10/13/2022. A copy of the Form of Assignment and Bill of Sale has been attached to this  response.  The file placed by the Original Creditor contained Mr. *************'s full social security number, his birthdate, an email of ********************, a daytime phone number of ***** ******** and a mailing address of *** ***** ** **** ***** ** *****.  The Account in question was opened 03/30/2018 and the last payment received by the Original Creditor was on or around 09/20/2019 in the amount of $511.00. Subsequently, the Account was charged-off due to delinquency on 05/11/2020 with a balance of $10,638.55. Billing statements supporting this have been attached to this response. With the extensive Account History paired with the many local charges made to the Account, DNF does not find the activity in question to be fraudulent in nature. As the Current Creditor, DNF furnished a tradeline on Mr. *************'s ***** ***** credit report. FCRA laws allow this. The statute for removing a tradeline is seven (7) years after the first date of delinquency, defined as 30 days after the final payment was received by the Original Creditor. This tradeline is due to be removed in or prior to November of 2026.  We wish to apologize to Mr. ************* for any inconvenience this has caused. If he would like to discuss how to resolve the Account, we encourage him to contact us. We will then place the Account with a licensed debt collector for recovery purposes. In the interim, the Account has been placed in a cease status to ensure no further collection efforts are made.  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,  David ** ******  Chief Compliance Officer

  Customer Answer

  Date: 02/05/2024

  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  As I have previously stated I do not have an agreement with DNF Associates. I have also asked DNF Associates to provide the purchase agreement between DNF Associates and **** and never received it. If they have this agreement I would like to have a copy  
     
  
  Regards, 
  
  **** *************

  

  Business Response

  Date: 02/14/2024

  DNF Associates, LLC (Hereinafter, "DNF") has received Mr. *************** response and it has been forwarded for review. We urge Mr. ************* to read the Terms & Conditions associated with the Account in question. We've attached these terms for convenience. The Terms & Conditions include the below statement:  "ACCOUNT ASSIGNMENT  We may sell, assign or transfer all or any part of your Agreement and Account without notice to you. You may not sell, assign or transfer your Account"  To clarify for Mr. *************, this means DNF has acquired ****** rights in reference the Account. These rights include but are not limited to allowing DNF to assign the Account to a collector and/or report the Account to any of the three major credit bureaus as the current creditor.  Additionally, DNF is not required to provide the Purchase Agreement in which the "Form of Assignment and Bill of Sale" is referencing. We have attached it to this response for convenience.  We again wish to apologize to Mr. ************* for any inconvenience this has caused. If he would like to discuss how to resolve the Account, we encourage him to contact us. We will then place the Account with a licensed debt collector for recovery purposes. In the interim, the Account has been placed in a cease status to ensure no further collection efforts are made.  Thank you for the opportunity to resolve and respond to this matter. If we can be of any further assistance, please feel free to contact us directly.  Sincerely,  David ** ****** Chief Compliance Officer

• Initial Complaint

  Date:01/18/2024

  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.

  The business keeps contacting me without proof of ownership of the debt and hasn't sent it through mail.
  
  The business continues to contact me through email instead of through ****.
  
  The business hasn't followed FDCPA

  

  Business Response

  Date: 01/25/2024

  DNF Associates, LLC has received the above referenced complaint, which has been forwarded for investigation and response.  To clarify for Mr. ****, DNF Associates (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 open credit lines nor perform collection services or accept payments.  Mr. **** delinquent ******** **** account ending **** (Hereinafter "the Account") by DNF on or around 02/27/2019.  A copy of the Bill of Sale has been attached to this response.  The file placed by the Assignor contained Mr. **** full social security number, his birthdate, an email of *****************, a daytime phone number of *********** and a mailing address of **** ******* ***  The Credit Application Approval has been attached to this response and will include the IP address used during the application process.  The Account in question was opened 01/14/2017 and kept in good standing with payments made until 09/08/2018.  Subsequently, the Account was charged off due to the delinquency on 11/28/2018 with a balance of $672.61.  All credit statements issued on the Account have been attached to this response.  In response to emailed correspondence, DNF does not partake in any collection activity.  As stated earlier, DNF is a passive debt buyer and only purchases debt to be placed with our network of outsourced collection agencies.  Any dispute to the portal used to communicate should be directed to the collection agency that sent the corresponded.  We wish to apologize to Mr. **** for any inconvenience this has caused.  If he would like to discuss how to resolve the Account, we encourage him to contact us.  We will then place the Account with a licensed debt collector for recovery purposes.  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, David M***** Chief Complaisance Officer 

• Initial Complaint

  Date:01/13/2024

  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.

  Received a statement today regarding payment for a debt that I do not owe.
  
  Ref #********* Total Due $220.40
  Make 2 payments of $77.14 by 1/26/24 to consider account satisfied in full

  

  Business Response

  Date: 02/05/2024

  DNF Associates LLC (Hereinafter "DNF") has received the above mentioned complaint and it has been forwarded for investigation and response.  Upon receipt of this complaint, DNF closed the Account with the current collection agency and placed it in a cease status.  DNF would like to apologize for the delayed response and inconvenience this may have caused.  We show no record of the initial notification.  Upon investigation, the information in the Account was deemed accurate in accordance with the Original Creditor's information.  If Mr. ****** has paperwork confirming the Account in questions is Paid, or otherwise cleared, DNF requests copy of said paperwork.  Please forward copies either via fax at ********** or email at *********************** or via **** at **** ***** ****** **** ***** *** ********** **.  Please refer to the BBB complaint ID# provided above.  In the interim the Account has been placed in a cease status to ensure it is no longer sent for collection activity.  DNF would also like to assure Mr. ****** that DNF has never furnished a tradeline pertaining to this Account or any of Mr. ****** Credit Bureau reports.  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, David M**** Chief Compliance Officer   

• Initial Complaint

  Date:01/11/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I'm 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.

  

  Business Response

  Date: 01/19/2024

  DNF Associates has received the above referenced complaint, which has been forwarded for investigation and response.  To clarify for Mr. ****, DNF Associates (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 open credit lines nor perform collection services or accept payments.  Mr. **** delinquent **** **** ********** account ending **** (Hereinafter "the Account") was purchased directly from **** **** ****  National Association (Hereinafter "Original Creditor") by DNF on or around 10/13/2022.  A copy of the Form of Assignment and Bill of Sale has been attached to this response.  The file placed by the Original Creditor contained Mr. **** full social security number, his birthdate, an email of ******************, a daytime phone number of ********** and a mailing address of ***** ******* The Account in question was opened 09/18/2019 and no payments were made towards the balance accrued.  Subsequently, the Account was charged-off due to delinquency on 07/15/2020 with a balance of $5045.33.  Extensive Account History paired with the many local charges made to the Account, DNF does not find the activity in question to be fraudulent in nature.  If Mr. **** has more information as to why or how he is "not liable for this debt" DNF will reinvestigate his claim.  As the Current Creditor, DNF furnished a tradeline on Mr. **** ****s ***** credit report.  FCRA laws allow this.  The statue for removing a tradeline is seven (7) years after the first date of delinquency, defined as 30 days after the final payment was received by the Original Creditor.  This tradeline is due to be removed in or prior to Feb of 2027. We wish to apologize to Mr. **** for any inconvenience this has caused.  If he would like to discuss how to resolve this Account, we encourage him to contact us.  We will then place the Account with a licensed debt collector for recovery purposes.  In the interim, the Account has been placed in a cease status to ensure no further collection efforts are made without Mr. **** explicit permission.  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.