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:12/31/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with 01 **** ******** Credit Card. I do not have a contract with DNF Associates, they did not provide me with contract as requested.

  

  Business Response

  Date: 01/10/2024

  DNF Associates 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 **** **** ***, 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. *******'s full social security number, his birthdate, an email of *********@*****.COM, a daytime phone number of ###-###-#### and a mailing address of *** ****** ** *** ** ******** NY *****. We have since updated Mr. *******'s file to reflect his new mailing address. The Account in question was opened 03/11/2019
  and **** received the final payment of $25.00 on 11/17/2019.
  Prior to the receipt of the final payment, Mr. *******'s first date of delinquency was 09/11/2019. Subsequently, the Account was charged-off due to delinquency on 04/13/2020 with a balance of $1281.86. With the extensive Account History
  and information being linked to Mr. *******, DNF does not find the activityin 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 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 September 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. 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:12/31/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

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

  

  Business Response

  Date: 01/11/2024

  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 ****/******* Retail Credit/****** ****** account ending in
  **** (Hereinafter, "the Account") was purchased directly from
  The Bank of ********** in January 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 ****.****.****@*****.COM. 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 ***** ******* RD **** **** ******* TX ***** and an
  email of ****.****.****@*******.COM. We have since
  updated his file to reflect his most recent mailing address. The final purchase made on the Account
  was on or around 05/09/2022. A copy of the billing statement including tlus
  purchase has been attached to this response. Mr. ****'s final payment made directly to the Original Creditor towards the Account on
  05/04/2022 in the amount of $84.00. Subsequently, the Account charged off due to delinquency on 12/08/2022 with a balance of $2149.59. Billing statements to support this have also been attached to
  this response. Additionally, Mr. **** has made substantial payments to DNF's contracted collection agency, ********* Recovery Group, totaling an amount
  of $1350.00. The final
  payment received was on or around 4/7/2023 in the amount of $100.00. The current amount
  owing on the Account is $799.59. According to the Agency's call records, the phone number used to make these payments was ###-###-####, evidently the same he's provided in this Complaint. If after reviewing the provided information, Mr. **** would
  like to resolve the outstanding balance, he may contact ********* Recovery
  Group at ###-###-#### during their business hours to discuss current payment
  options available. 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:12/14/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received a garnishment notice from the city marshall because of this company.. i never have had a contract with DNF associates and i demand they provided evidence of any financial transactions that show im in debt to them for whatever the amount they stipulate. This is ludicrous for them to be able to take money from my hard earn work with no justification. I was never served papers from any court stating i owed them money. I will be filing an order to vacate and will counter sue for illegal practices

  

  Business Response

  Date: 12/20/2023

  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 perform collection services or accept payments.Mr. ******' delinquent *** ******** account ending in 4917 (Hereinafter, "the Account") was purchased byDNF from ******** ******** ***. in September of 2016. A copy of the Bdl of Sale from this purchase has been attached to our response. All available documents placed by ******** ******** Inc. at time of purchase have also been attached to this response to further verify the validation of the Account.DNF hired ***** * ********** LLP (Hereinafter, "***") for all collection purposes in July of 2019. *** sent Mr. ****** an initial dunning notice on 07/23/2019 to notify lim of placement and provide contact information. A copy of that notice has been attached to this response. Additionally attached are copies of the Affidavit of Service, Notice of Judgment Entry, Civil Judgment and the Filed Summons and Complaint.We encourage Mr. ****** to contact *** at ###-###-#### to discuss any alternative payment options available.Please be advised, they have no obligation to accept less than what has already been granted.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. n

• Initial Complaint

  Date:11/19/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  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 and forced me to pay them.

  

  Business Response

  Date: 11/30/2023

  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 purchses 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. ****** delinquent ******* account ending **** (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.  Proceeding this transaction, the Original Creditor sent Mr. ****** notice via email to ************************  A copy of that notice has been attached to this response.  When the Account was purchased by DNF, the placement file from the Original Creditor contained Mr. ****** full social security number, birthdate, a mailing address of **** *********** ** ******** ** *****, an email of ************************ and a daytime phone number of **********.  The final purchase made on the Account was on or around 07/11/2022.  A copy of the billing statement including this purchase has been attached to this response.  Mr. ****** final payment was made towards the Account on or around 08/15/2022 in the amount of $100.00.  Subsequently. the Account charged off due to deliquency on 04/14/2023 with a balance of $368.32.  Billing statements to support this have also been attached to this response.  Currently, DNF has a Tradeline on Mr. ****** ***** ***** ******.  The statue for removing a tradeline is seven (7) years after the first date of delinquency.  The Account is due to be removed in or prior to October of 2029.  In the interim, once the collection agency remits the payment Mr. ****** made per normal processes, DNF will update the tradeline to reflect the same.  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:11/12/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company is trying to collect a suppose debt that was not able to verified and they have not reached out to me not once by mail or phone. This company needs to delete this debt off my credit report immediately.

  

  Business Response

  Date: 11/20/2023

  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 perform collection services or accept payments.  Mr. *****' delinquent ******* * ******* account ending in **** (Hereafter, "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.  Proceeding this transaction, the Original Creditor sent Mr. ***** notice via email to *************************. A copy of that notice has been attached to this response.  When the Account was purchased by DNF, the placement file from the Original Creditor contained Mr. *****' full social security number, birthday, mailing address of ****** ****** ** ****** ** ****** an email of ************************* and a daytime phone number of ********* *****  The final purchase made on the Account was on or around 10/27/2021. A copy of the billing statement including this purchase has been attached to this response. Mr. *****' final payment was made towards the Account on 09/20/2022 in the amount of $185.00. Subsequently, the Account charged off due to delinquency on 04/23/2023 with a balance of $2219.00. Billing statements to support this have also been attached to this response.  Currently, DNF has a ********* on Mr. *****' ***** ***** Report. The statute for removing a ********* is seven (7) years after the first date of delinquency. The Account 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 business hours and we can assign the account to a collection agency.  DNF  ASSOCIATES  **** ** ****** ***** ***** **** ********** ** ****** *** ************* In the interim, the account has been placed in a cease status in our system to ensure we no longer send it out for collections.  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:11/08/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I did not made a contract or any affiliation with this company

  

  Business Response

  Date: 11/15/2023

  DNF Associates 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. *********'s delinquent **** **** ********** ending in **** (Hereinafter, "the Account") was purchased directly from **** **** **** ******** *********** (Hereinafter, “Original Creditor") by DNF on or around 10/14/2022. A copy of the Form of Assignment and Bill of Sale has been attached to this  response.  As the Current Creditor, DNF furnished a ********* on Mr. *********'s ***** ***** credit report. FCRA laws allow this. The statute for removing a ********* 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 ********* is due to be removed in or prior to September of 2027.  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 without Mr. *********'s 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.  Sincerely, David ** ******  Chief Compliance Officer

• Initial Complaint

  Date:10/29/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Tuesday, April 4, 2023
  Consumer: ******** *****
  Email: *******************
  Current Creditor: DNF ASSOCIATES LLC
  Reference #: ******** Original Creditor: *** **** ***** **** ******** Card
  Acct #: **************** Account Balance: $0.00
  Dear ******** *****,
  DNF ASSOCIATES LLC has purchased your account that originated with *** **** ***** **** ******** **** and
  has placed your account with our office for collection.
  We are in receipt to your payments in the amount of $515.00 and your account will be updated as paid in full.
  
  I would also like to add that I spoke with a manager at dnf about incorrect opened account dates as this account is over 7 yrs old and the original **** ***** account was removed from my credit report and dnf opened it as a new account as of January of this year which is illegal . They also reopened the closed account that is paid and settled in full as shown above in my receipts and I was told would be removed it it closed and then 6 months later someone there reopened it with an unknown balance . This is highly illegal and I want it removed immediately and cannot reach anyone there . I spoke with ********** who took the original payment and they said they show paid in full with receipt and to dispute it which I did . If DNF is reading this I want it removed permanently from my credit report and to stop changing dates and reopening things that there is a zero balance on and also time barred debt that has a zero balance and changing dates on the accounts . I want correction to my credit report which means closed and deleted for fraudulent reporting .

  

  Business Response

  Date: 11/07/2023

  DNF Associates, LLC (Hereinafter, "DNF") has received the above referenced complaint, which has been forwarded for investigation and response.   Ms. *****' **** ***** **** ******** **** ending in **** (Hereinafter, "the Account") was opened 02/27/2017 and kept in good standing until it was ultimately charged-off due to delinquency 12/05/2018. Ms. *****' first date of delinquency was 06/04/2018. To clarify for Ms. *****, a ********* may be placed on a Consumer's credit report up to seven (7) years after the first date of delinquency. The ********* DNF furnished to Ms. *****' ***** ***** report was not due to be removed until June of 2025  Because we use third party collection agencies, our system does not have “real-time” balance updates. We receive weekly and monthly status reports from our network of collection agencies and Attorneys. DNF placed a ********* on Ms. *****' ***** ***** credit report on or around 04/03/2023, with the balance our system showed due at the time. Coincidently, Ms. ***** paid her bill to the servicing collection agency the same day we furnished the data.  We received notice and remit from the servicing collection agency 05/09/2023. Ms. ***** disputed her ********* through ***** ***** on 05/05/2023. Because the ********* was in active dispute, our balance update was blocked from the *********.  DNF has decided to remove the ********* in an act of good faith. A request for removal was sent to ***** ***** on 11/07/2023. A copy of that request has been attached to this response. Please allow 30-45 days for this change to reflect. 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:10/24/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  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.

  

  Business Response

  Date: 11/03/2023

  DNF Associates, LLC (Hereinafter, 'DNF") has received the above referenced complaint, which has been foiwarded 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 perform collection services or accept payments.Ms. ********' delinquent ******* / ****** account ending in 0997 (Hereafter, "the Account") was purchased duectly from The Bank of Missouri in June of 2023. A copy of the Bill of Sale from that purchase has been attached to this response.On 06/19/2023, the Origmal Creditor sent Ms. ******** notice of this transaction via email to***************** A copy of tllat notice has been attached to this response.When the Account was purchased by DNF, the placement file from the Original Creditor contained Ms.********' full social security number, birthday, an email of **************** and a mailing address of *** ********** ** ** *** ***** ******** ** *****.The initial purchase leading to the opening of this card was on or around 04/06/2020. A copy of the billing statement including this purchase has been attached to this response. Ms. ********' final payment was made towards the Account on 09/14/2022 in the amount of $68.51. Subsequently, the Account charged off due to delinquency on 05/15/2023. A copy of the final billing statement confirming a charge-off balance of $944.80 has also been attached to tl+s response.Current*, DNF has a Tradeline on Ms. ********' Trans Union Report. The statute for removing a tradeline is seven (7) years after the first date of delinquency. The Account is due to be removed in or prior to November of 2029.If after reviewing the provided information, Ms. ******** would like to resolve the outstanding balance,she may contact our office at ###-###-#### during business hours and we can assign the account to a collection agency.In the interim, the account has been placed in a ceasc status in our system to ensure we no longer send it out for collections.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, n m* avid T. M*****Chief Compliance Officer

  Customer Answer

  Date: 11/03/2023

  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.
  I am not liable for this debt. I do not have a contract with DNF Associates. The attached statement/response from DNF Associates does not contain the signed contract as I requested.To avoid legal action, I demand this account be removed from my credit report.
  
  Regards,
  
  J***** ********

• Initial Complaint

  Date:10/23/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for the debt associated with **** ******** I do not have a contractual agreement with DNF Associates, and despite my request, they have not provided me with the original contract.

  

  Business Response

  Date: 11/03/2023

  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 perform collection services or accept payments.  Mr. *******'s delinquent ******* * ****** ***** **** account ending in **** (Hereafter, "the Account") was purchased directly from *** **** ** ******** in October of 2022. A copy of the Bill of Sale from that purchase has been attached to this response.    On 10/20/2022, the Original Creditor sent Mr. ******* notice of this transaction via email to *******************. A copy of that notice has been attached to this response.    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 a daytime phone number of *************.  The initial purchase giving rise to this debt was on or around 03/26/2019. A copy of the billing statement including this purchase has been attached to this response. Mr. *******'s final payment was made towards the Account on 02/25/2022 in the amount of $46.00. Subsequently, the Account charged off due to delinquency on 09/04/2022 with a balance of $861.48.  Currently, DNF has a ********* on Mr. *******'s ***** ***** Report. The statute for removing a ********* is seven (7) years after the first date of delinquency. The Account is due to be removed in or prior to March of 2029.  If after reviewing the provided information, Mr. ******* would like to resolve the outstanding balance, he may contact our office at ***** ******** during business hours and we can assign the account to a collection agency.  In the interim, the account has been placed in a cease status in our system to ensure we no longer send it out for collections.  DNF  ASSOCIATES  **** ** ****** ***** ***** **** ********** ** ****** *** *************  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:10/10/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  After a review of my credit report, an agency called DNF Associates reported an account. I have never engaged or entered into a contract with this agency. I was never provided any original documentation validating the debt or that I entered into an agreement with them.

  

  Business Response

  Date: 10/18/2023

  DNF Associates has received the above referenced complaint, wlich has been forwarded for investigation and response. 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 abllity to perform collection services or accept payments.Ms. *******' delinquent ******* / ***** ******** ********* account ending in **** (Hereafter, "the Account")was purchased directly from The Bank of ******** in May of 2023. A copy of the Bill of Sale from that purchase has been attached to this response.On 05/22/2023, the Original Creditor sent Ms. ******* notice of this transaction via email to******************. A copy of that notice has been attached to this response.When the Account was purchased,t he placement file from the Original Creditor contained Ms. *******'full social security number, birthday, her home address of ** ***** ** *** ** ******* ******* ****** and a daytime phone number of ###-###-####.In order to f i y substantiate the validity of the account, we have also attached the following:The bank statement detailing Ms. *******' final purchases from ***** ******** ********The bllling statement showing Ms. *******' final payment of $130.00The final billing statement, showing all interest, fees and principal equaling the charge-off balance of $3457.46The Account charged off due to delinquency on 04/23/2023.Currently, DNF Associates, LLC has a Tradeline on Ms. *******' Trans Union Report. The statute for removing a tradeline is seven (7) years after the first date of delinquency. The Account is due to be removed in or prior to September of 2029.ASSOCIATES2351 N. Forest Road, Suite 110, Getzville, NY 14068, PH: ###-###-####If after reviewing the provided information, Ms. ******* would like to resolve the outstanding balance,she may contact our office at ###-###-#### during business hours and we can assign the account to a collection agency.In the interim, the account has been placed in a cease status in our system to ensure we no longer send it out for collections.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,T. M*****Chief compliance Officer