Complaints

This profile includes complaints for CardWorks Servicing LLC's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  CardWorks Servicing LLC

  101 Crossways Park West Woodbury, NY 11797

• 

  CardWorks Servicing LLC

  Better Business Bureau 5673 S. Redwood Rd., #22 Taylorsville, UT 84123

• 

  Card Works Servicing

  225 W Station Square Dr Pittsburgh, PA 15219-1174

• 

  Card Works Servicing

  225 W Station Square Dr Ste 400 Pittsburgh, PA 15219-1174

• 

  CardWorks Servicing LLC

  9200 Southpark Center Loop Orlando, FL 32819-8606

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:04/28/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Hello ****** **********,I am asking in writing for you to provide a validation of my debt via mail, I am also asking for you to provide me full access to your online portal so I can make payments. You dont even know your own legal obligations for debt collecting in ********** so I am here to inform you by law you must provide an accessible way for the people you are collecting from, to make payments and a recurring way for them to view the balance after each payment. I will absolutely report you to the department of consumer affairs and have you fined. Make it right!

  Business Response

  Date: 05/10/2023

  Balance Due:  1,335.62
  Current Creditor:  *******************
  Original Creditor:  *******************

  RE: ****** ****** R Account Ending In ****

  We are in receipt of your correspondence dated April 28, 2023, which was received on April 28, 2023, regarding the complaint (********) filed with your office by ***************************

  According to ******* Bank's records, the account was opened in the customer's name on August 10, 2021, with an electronic application submitted from the Internet Protocol (IP) address **************. The application does not include a handwritten signature. In accordance with the Electronic Signatures in Global and National Commerce (E-SIGN) Act, an electronically submitted signature, contract or other record relating to such transaction is valid and enforceable and may not be denied legal validity solely because an electronic signature or electronic record was used in its formation.

  Subsequently, the account was used for purchases and payments were applied to the balance. The last valid payment of $35.00 was received on April 9, 2019. Due to non-payment, the account charged off on February 28, 2023, with a balance of $1,335.62. After charge-off, ****** **********, LLC, was contracted to collect on the outstanding balance. As no further payments have been received, the balance remains the same. Enclosed please find account validation documents for your review. 

  Should the customer have questions regarding online access or should they wish to discuss possible settlement options, we encourage them to contact us at ***************. A representative will be happy to assist them. 

  We hope to have been of assistance and thank you for the opportunity to respond. 

  Sincerely, 

  ****** **********
  Customer Service 

  ********************* ***
  ********************* ***
  *** *****
  *********** ** ***** 

  This is an attempt to collect a debt. Any information obtained will be used for that purpose.
  This communication is from a debt collector. 

  ****** **********, LLC

  Customer Answer

  Date: 05/16/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because: 

  I have attempted to call ****** ********** multiple times only to be told that I wont get access to the online portal because ****** ********** doesnt give access to every account. One your representatives even said that due to the fact the account may have no longer be able to be collected on which is why I might never to be given access. Im either going to pay ******************* directly going forward or ****** ********** needs to stop being indirect with me. 
  

  I will not be paying over the phone because Ive seen the reviews that many of your customers have paid off balances only to be told by ****** ********** agents that their payment didnt go through even though those customers bank accounts showed otherwise.

  
  
  ***********************
  
  
  
  
   
  

  Business Response

  Date: 06/02/2023

  We are in receipt of your correspondence dated May 16, 2023, which was received on the same date, regarding the complaint (********) filed with your office by **************************. Our records indicate that we previously responded to the customer's concerns with the enclosed letter on May 10, 2023.
  
  On May 2, 2023, the customer contacted our *************************** regarding payment on the account's outstanding balance. We determined that our representative provided the customer with inaccurate information regarding the length of time that we are able to collect on the account. We apologize for the inconvenience that this has caused. Please be advised that the details of this call were forwarded to the appropriate level of management to provide coaching so that the representative can better handle calls of this nature in the future.
  
  We regret the difficulty that the customer has experienced while attempting to make payments online. During the customer's calls from April 27, 2023 through May 18, 2023, our representatives accurately offered alternative payment options and programs. For further assistance with available payment options, we encourage them to contact us at ***************. A representative will be happy to assist them.
  
  We hope to have been assistance and thank you for the opportunity to respond.

  Customer Answer

  Date: 06/09/2023

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

• Initial Complaint

  Date:03/01/2023

  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 contract with CW NEXUS Credit Services. CW Nexus is still reporting on my credit report as if its still a company. I have paid all money owed to the company, but still its reporting negative information on my credit report. It was an agreement for the account to be removed from my credit report, due to me not having a contract with CW Necus Credit Services.

  Business Response

  Date: 03/15/2023

  RE: Reference ID: ** *****************************
         ********* ******************** - Account Ending In ****
  
  We are in receipt of your correspondence dated March 1, 2023, regarding the above-referenced account for our cardholder ********* *********************

  
  Our records indicate that the account was opened with ******************* via an electronic application.Subsequently, the account was used for purchases and payments were applied to the balance. Due to non-payment, the account charged off with an outstanding balance. At charge-off, CW Nexus Credit ************* Trust I became the owner of the account.
  

  Subsequent to charge-off, the customer accepted a settlement offer to pay a portion of the balance. We received the customers one-time payment, which satisfied the settlement arrangement. As such, the account was accurately updated to Settled for less than the Full Balance, was a Charge-Off. Please be advised that we do not delete trade lines in exchange for a payoff or a settlement.
  
  We received Automated Consumer Dispute Verification forms (ACDVs) filed through the Consumer ****************** (CRAs) claiming identity theft and disputing the reporting of the account. In each instance, the account was reviewed. Based on the results of our investigation, the identity theft claims were denied, and responses were provided directly to the CRAs confirming that the account is reporting accurately.

  
  The Fair Credit Reporting Act (FCRA) requires that, as a furnisher of information to consumer reporting agencies, we report accurate information regarding a consumers account history. We have reviewed the account and determined that the information reported was complete and accurate as of the date(s) we furnished it. As such,in the absence of additional facts we will not change the reporting of the account to the CRAs.
  
  Thank you for the opportunity to respond.

  
  Sincerely,
  
  CW Nexus Credit ************* I,LLC, as administrator
  Customer Service Department

• Initial Complaint

  Date:02/07/2023

  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 have been paying ****** ********** LLC $28.72 since October 2021 as a payoff plan. The company automatically debits my bank account each month. When I check the ****** ********** LLC website the payment statuses show as either paid, in process or rejected and when I called their customer service # on today, 2/6/2023 and spoke with ******, I was informed that she did not have access to see my online dashboard and therefore could not tell me what the different payment statuses meant. When I inquired further I was told that the Supervisors were in a meeting and that I would need to call back when they were not in a meeting , which would be after 5pm. This is unacceptable and I want someone from ****** ********** LLC to contact me and explain the payment statues otherwise, I would like to file an official complaint for scam and am requesting to be reimbursed for all of the payments that they have taken from my bank account.

  Business Response

  Date: 02/17/2023

  ******* ****  ********
  ******* *********  *******************
  ******** *********  *******************
  
  *** **************************************** ******* ****** ** ****

  We are in receipt of your letter regarding the complaint (#********) filed with your office by *****************************************

  Our records indicate that this account was opened with *******************. As a result of non-payment, the account charged off, with an outstanding balance. ****** **********, LLC is a third party collection agency contracted to collect on the outstanding balance.

  Our review of the account confirmed that subsequent to charge-off, the customer accepted a settlement arrangement to pay a portion of the balance in twenty-four monthly installments. We received the customers recurring payments. However, three monthly payments were rejected.

  Following this, the customer spoke with a representative regarding our online payment system. Our representative accurately advised that they were unable to access the system to explain the status of the customer's payments at that time. However, our representative inaccurately informed the customer that their settlement arrangement was on track to be completed by the expected date. Please note, the customer must submit replacement payments for the rejected payments in order to satisfy their settlement by the expected date. We apologize for any inconvenience that this may have caused the customer. The details of this call were forwarded to the appropriate level of management to provide coaching so that the representative can better handle calls of this nature in the future.

  With regard to the explanation of the payment statuses, please be advised that payments reflected as "Paid" have been cleared and were applied to the customer's outstanding balance; payments reflected as "In Process" are due to be automatically processed on the customer's next payment due date, and "Rejected" are payments that are dishonored or not cleared by the customer's financial institution. 

  Thank you for the opportunity to respond.

  Sincerely,

  ****** **********
  Customer Service

  ********************
  *** *********************
  *** *****
  *********** ** *****

  Customer Answer

  Date: 02/19/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  None of my payments were rejected by my Bank - this 3rd party agency is lying - they took every payment via direct debit and if they dispute my response then they need to provide proof of the rejected payments, along with dates and correspondence from my Bank!!!!!n  I have checked my bank account from 10/1/2021 through 2/19/2023 and I have no return items so if you are missing a month it is the fault of the 3rd party agency for not putting through the payment!!!!
  *************************************

  
  
  
  
  
  
   
  

  Business Response

  Date: 03/06/2023

  Balance Due:  1349.77
  Current Creditor:  ******************* Corporation
  Original Creditor:  ******************* Corporation

  RE: **************************************** Account Ending In ****

  We are in receipt of your letter requesting additional information regarding the complaint (#********) filed with your office by *****************************************

  While we received the customer's payments towards their settlement on December 14, 2021, May 14, 2022, December 14, 2022, and February 14, 2023, they were rejected by their financial institution. As previously advised, no additional explanation was provided. We recommend that the customer contact their financial institution directly regarding the reason for the rejected payments.

  The customer should submit proof of the processed payments not credited to their account (ie. a clear copy of the front and back of their canceled check/money order) to begin a payment investigation. Please be advised that the total amount of these payments must be submitted to maintain the progress of the customer's settlement.

  Thank you for the opportunity to respond.

  Sincerely,

  ****** **********
  Customer Service

  ********************
  *** *********************
  *** *****
  *********** ** *****

  Customer Answer

  Date: 03/14/2023

  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:
  

  they still have not told me why they did not take my payments 

   

  
  ******* ***********
  
  
  
  
  
  
  
  
  
   
  

• Initial Complaint

  Date:01/02/2023

  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.

  Certified Mail # **** **** **** **** **** DECEMBER 12, 2022 CARSON *****- FIELD LLC Attn: ********************************** **************************************************** Re: *************************** NOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL; NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS The ******* gives you thirty (30) days to validate the alleged debt.Failure to comply with said Notice shall result in a complaint filed and submitted to the appropriate STATE & FEDERAL BANKING REGULATORY AGENCIES, and possible legal remedies in an appropriate ************* DISTRICT COURT.In addition, PLEASE TAKE NOTICE THAT, I am not waiving my right to dispute the alleged debt asserted herein, but at this time I am under no obligation to respond as a result of CARSON *****- FIELD LLC., DEBT COLLECTORS debt and violations of Federal law.The ******* gives you thirty (30) days to validate the alleged debt.PURSUANT TO [FRCP RULE 17 AND FRCP RULE 34], FAILURE TO RESPOND WITHIN THIRTY (30) DAYS TO EACH NUMBERED ITEM BELOW IS ESTOPPEL. SANCTIONS MAY BE IMPOSED FOR REFUSAL TO ANSWER QUESTIONS OF DISCOVERY You are in receipt of NOTICE under the authority of [THE FAIR DEBT COLLECTIONS PRACTICES ACT, FAIR CREDIT REPORTING ACT, 15 USC 1692G AND TRUTH IN LENDING ACT]. This letter is being sent to you in response to a notice sent to me on FEBRUARY 22 2022 Be advised that this is not a refusal to pay, but a notice sent pursuant to [THE FAIR DEBT COLLECTION PRACTICES ACT], that your claim is disputed and validation is requested. This is NOT a request for "verification" or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. Validate the alleged debt. SINCE THERE IS NOT THAT MUCH SPACE TO CONTINUE TO WRITE, PLEASE SEE ATTACHMENTS TO CONTINUE READ

  Business Response

  Date: 01/20/2023

  
  We are in receipt of your letter regarding the complaint (ID#********* filed by **************************

  The customers account was opened with Bethpage Federal Credit Union (BFCU) and charged off due to non-payment. At charge-off, BFCU contracted ****** *********** **** to collect on the outstanding balance. As such, settlement offers were sent to the customer by mail. As requested, we have updated the account to receive no further verbal or written communication.
  

  Please be advised that BFCU remains the owner of the account. ****** ********** is not a creditor andis not responsible for the reporting of the account to the Consumer ******************* We recommend that any credit reporting inquiries be directed to BFCU.
  

  A letter was sent to the customer with account validation documents. We hope to have been of assistance and appreciate the opportunity to respond.

  
  Sincerely,

  
  ****** **********
  Customer Service
  

  Customer Answer

  Date: 02/02/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

   I am not liable for this debt with CardWorks Servicing LLC and do not have a contract with CardWorks Servicing LLC. 
  
  They did not provide me with the original application, like I asked.
  
   Desired settlement. 
  
  Correction to my credit report . I demand this account be deleted from my file.
  
  *************************
  
  
  
  
   
  

  Business Response

  Date: 04/24/2023

  ***** *** ****
  
  
  ****** ******** ****** * **** ******* ******
  *** ******* ********
  ***************************************
  ***** ***
  ************ ** *****

  
  Balance Due: $5,062.91
  Current Creditor: Bethpage Federal Credit Union
  Original Creditor: Bethpage Federal Credit Union

  
  RE: ************************** Account Ending In ****
  Dear ***************************,
  We are in receipt of your letter regarding the complaint (ID#********* filed by *************************, as
  well as a letter sent by the customer to our office.
  This account is for a ********************** card that was opened with Bethpage Federal Credit Union, who remains
  the owner of the account. ********************** is a third party collection agency that is currently
  servicing the account.
  We regret the customers dissatisfaction with our prior response to their concerns. We confirmed that
  the information and documentation provided was accurate and sufficient to validate the debt.
  We hope to have been of assistance and appreciate the opportunity to respond.
  Sincerely,
  ****** **********
  ******** *******
  ******************** ********************* *** *** ***** *********** ** *****
  **** ** ** ******* ** ******* * ***** *** *********** ******** **** ** **** *** **** ********
  **** ************* ** **** * **** **********
  ****** **********
  ** *** ******** ***** ***** *** ** ****** ********* ** *** ********* ******* **** **** **** *** ******* *
  ******** **** ** *** ****** ********* **** ***** ***** *** ******* ****
  ******** **********
  **********************
  *********************************************************************************
  ***** ******* *************
  ************* **********
  ***** ** **********
  **************** *** ****** ****** ** ****** ***
  ******** ******* ** ****** ***
  ******** ****** ** ****** ***
  ***** ****** **************
  ***** **********
  ***** ** **********
  **************** *** ****** ****** ** ****** ***
  ******** ******* ** ****** ***
  ******** ****** ** ****** ***
  ***** ******* **************
  ************** **********
  ************************************** ****** ******* ****** ********** **** ******
  ************ ***
  ************* **********
  ************* ********** ** ********* ******* ******* ********
  ******* ********** **** ******* ************ ***
  ** * ******** ** **** ********* ******** * ***** ******** ******* *** ** ****** ***** *** ******* **** *** ******* ***
  ********* ***** ** ****** **** ***** ***** ** *** *** ***** ************** ******** ******* ****** ** ******
  ********* ** ****** ********** ********** ** ******* ******** *********** ********* ** ***** ******** **
  ************ ********* ** ********** ********* ** ******** ************ ********* ** ****** ** ******* ********* **
  ********* ********* *** ******* ******* ****** ******* ******* ******* *** ******* **** ***** ****** *** ******
  ******* ** **** ***** ** ****** ****** ** *** **** ***** *****
  ********* **********
  **** ********** ****** ** ******** ** *** ********** ******* ***** ** *** ****************************************
  **** ** ** ******* ** ******* * ***** *** *********** ******** **** ** **** *** **** *******

• Initial Complaint

  Date:12/31/2022

  Type:Order 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 openskycc and don't have the contract with ****** **********, LLC. They didn't provide me with the original contract application like I asked.Creditor: openskycc Address: ********************************************* Acct name: *************************** Acct # ****************

  Business Response

  Date: 01/18/2023

  Balance Due:  $602.87
  Current Creditor:  Capital Bank
  Original Creditor:  Capital Bank

  RE: **************************** L Account Ending In ****

  We are in receipt of your letter regarding the complaint (ID# ********* filed with your office by **************************** 
  
  This account was opened using an electronic application and a security deposit submitted with a debit card in the customers name. This account was initiated electronically. As such, the application does not include a handwritten signature. In accordance with the Electronic Signatures in Global and National Commerce (E-SIGN) Act, an electronically submitted signature, contract or other record relating to such transaction is valid and enforceable and may not be denied legal validity solely because an electronic signature or electronic record was used in its formation. This OpenSky secured credit card is a product of Capital Bank.

  Subsequently, the account was used for purchases. Due to non-payment, the account was closed, and the security deposit was applied to the balance. The account charged off due to no-payment, and was placed with ****** ********** for servicing. We have no record of a prior request for validation of the account and/or a copy of the application. As requested in the complaint, we sent a response to the customer with validation documents.
  

  Please note that ****** ********** is a third party collection agency contracted by the creditor to collect on the balance. ****** ********** is not a creditor and is not responsible for the reporting of the account to the Consumer ******************* Should the customer wish to discuss the reporting of their account, we recommend contacting OpenSky/Capital Bank directly.
  
  Sincerely,
  
  ****** **********
  Customer Service

  Customer Answer

  Date: 01/18/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  If it was electronically, then there should be some type of document in their system stating my name, date, time and signature. If there's no proof showing that this debt is mine or any substantial agreement? Then this here is just a conjecture.

  Sincerely,
  
  ***************************
  
  
  
  
   
  

• Initial Complaint

  Date:12/11/2022

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In October and November I entered into payments my minimum payment plus added a extra payment. I have been charged two 27 dollar late fees.Have tried calling waiting on hold for 20 minutes only to have the call dropped. As you can see i have had perfect payment history until then. Something has gone wrong with the submit and I want both fees reversed.

  Customer Answer

  Date: 12/14/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me and the matter has been resolved.
  
  Thanks as always for your help. I was finally able to speak with a human at ************. Even though wasn't resolved completely I will just let it go.
  Thank you 
  ******************************************* 
  

  
  

   
  
  
   
  
  

• Initial Complaint

  Date:11/17/2022

  Type:Order 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.

  ****************************** ************************************************** **** 10:15:1993 ******* randomly closed my account even though I had a $0 balance and they refuse to send me my deposit of $200 back. This is pure theft. Please investigate them.

  Business Response

  Date: 12/13/2022

  BBB Complaint ID # ********
  
  Our records indicate that the customers account was recently upgraded from a **** card to a MasterCard, and a new card was mailed to them. As a result of this upgrade, the customers **** card was deactivated. As the MasterCard was never activated, the account was subsequently closed. A refund check for the customers full security deposit was issued and cashed.
  
  We also received a complaint regarding this issue filed through the Better Business Bureau of ****, and a response was provided to the customer addressing their complaint.

• Initial Complaint

  Date:10/16/2022

  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 ****** *********** *** and I do not have a contract with convergent. They did not provide me with the original application as requested.

  Business Response

  Date: 11/01/2022

  ******* ****  ********
  ******* *********  ** ***** ****** ************* ***** *
  ******** *********  *******************
  
  *** ********** ******** * ******* ****** ** ****
  

  Dear ***************************,
  
  We are in receipt of your correspondence dated October 17, 2022, regarding the complaint (#********) filed with your office by ******************************** 
  
  The account was opened with ******************* using an electronic application. Subsequently, the account was used for purchases and payments were applied to the balance. Due to non-payment, the account charged off with an outstanding balance. At charge-off, CW Nexus Credit ************* Trust I became the owner of the account, and the account was placed with ****** ********** for servicing.

  ****** ********** is a third party collection agency contracted by the creditor to collect on the balance. ****** ********** is not a creditor and is not responsible for the reporting of your account to the Consumer ******************* We recommend that any credit reporting inquiries be directed to CW Nexus Credit ************* Trust I.
  
  Please be advised that we have no record of any previous requests for the application, as indicated in the complaint. In response to the complaint, a letter was sent to the customer with account validation documents.
  
  Thank you for the opportunity to respond.
  

  Sincerely,
  
  ****** **********
  Customer Service
  
  ****** **********
  *** *********************
  *** *****
  *********** ** *****

• Initial Complaint

  Date:10/05/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Cardworks is fraudulently trying to keep money that should have been me refunded to me in the amount of $3,079, which is the credit balance of an account with them. Instead of receiving a refund pursuant to 12 CFR *******, Cardworks has been trying to extort and coerce me to pay them what they owe by reporting negative information that is false about me to non affiliated third parties without my consent. A credit balance over $1 must be refunded. I never owed money to Cardworks! To be on the same page, a positive credit balance is the responsibility of the credit issuer to refund the consumer. A negative credit balance is the responsibility of the consumer to pay a debt to the credit issuer. Cardworks never loaned me credit. I extended credit with my social security card to Cardworks. Cardworks fraudulently double-dipped asking for payments on money they never actually loaned out and now causing damage to my livelihood. In addition, Cardworks is reporting the account was written off. Per the **** it is income and you cannot report income as as debt. However, I never received a ****-C form regarding this and will request it directly from the **** I demand what is owed to me, which is the $3,079. I am also demanding this fraudulent account to be corrected or deleted. Overall, a creditor cannot report incorrect or inaccurate information. It is a violation as well.

  Business Response

  Date: 10/19/2022

  Our records indicate that the account was opened with ******************* via an electronic application. Subsequently, the account was used for purchases and payments were applied to the balance. This is a credit card account and payments were required by the due date each month to keep the account current. Due to non-payment, the account charged off with an outstanding balance. At charge-off, CW Nexus Credit ************* Trust I became the owner of the account. Please be advised that CardWorks Servicing, LLC is not a creditor.
  The account has an outstanding balance and has not been settled. As such, no credit balance refund is due to the customer, and the account does not qualify for a ****-C form.
  
  We received Automated Consumer Dispute Verification (ACDVs) forms filed through the Consumer ****************** (CRAs) claiming identity theft and disputing the reporting of the account. In each instance, the account was reviewed. Based on the results of our investigation, the identity theft claims were denied, and responses were provided directly to the CRAs confirming that the account is reporting accurately.
  Please note that a charge-off does not denote a forgiveness of the debt, nor does it prevent the account from reporting to the CRAs. The Fair Credit Reporting Act (FCRA) requires that, as a furnisher of information to consumer reporting agencies, we report accurate information regarding a consumers account history. We have reviewed the account and determined that the information reported was complete and accurate as of the date(s) we furnished it. As such, in the absence of additional facts, we will not change the reporting of the account to the consumer reporting agencies

  Customer Answer

  Date: 10/21/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because: 

  
  Cardworks chose to assume the risk and bought the alleged debt from ******************* for pennies on the dollar that I didn't owe what they fraudulently sold to you so don't try to come to me as if I now owe you any amount of money because I don't owe you either. Congress has a doctrine called ASSUMPTION OF RISKS explaining that a collection company knowingly and willingly buy bad debt from people with bad money habits putting themselves at risk of not making any money off of a consumer.
  
  Our records indicate that the account was opened with ******************* via an electronic application. Subsequently, the account was used for purchases and payments were applied to the balance. This is a credit card account and payments were required by the due date each month to keep the account current.
  To be on the same page, I never owed a debt and will not allow you to bully me into thinking that I do. I know the consumer protection laws and the violations incurred. The cardmember agreement does not mention evidence of debt. It only shows an agreement to pay monthly. ******************* was supposed to provide adequate notice, which is a printed notice to a cardholder and it was required to clear and conspicuously. 
  
  The account has an outstanding balance and has not been settled. As such, no credit balance refund is due to the customer, and the account does not qualify for a ****-C form.
  
  The cardmember agreement is a violation, null and void. I did not benefit from this agreement. Im the only one, the agreement was operating against. There is no evidence by agreement. There is no debt, just an agreement to pay something. The agreement is whatever I agreed to. No evidence of a debt. Therefore, a contract is not a validation of debt!
  
  ******************* actually owes me the credit balance for this fraudulent account pursuant. ******************* violated my right to privacy by sharing information with Cardworks about me to a third party, without my consent. 
  
  At charge-off, CW Nexus Credit ************* Trust I became the owner of the account. Please be advised that CardWorks Servicing, LLC is not a creditor. The account has an outstanding balance and has not been settled.
  
  I extended credit to ******************* and I am the original creditor. Debt comes from credit, not the other way around. It is indebted to me. Therefore, the positive balance of $3,079 was owed to me by *******************! The outstanding balance must be refunded to me. I can only agree that this money owed to me must be settled! Since you are now the owner of the account, it is your responsibility! 
  
  Of course, there is no ****-C because there is no loss of income. ******************* never generated the money to actually loan out and cannot prove otherwise.

  A negative balance indicates a debt.

  A positive balance indicates money to be credited or refunded to the consumer.
  
  In addition, I have NEVER heard from Cardworks about this alleged debt to challenge it and the law states within 5 days, the consumer must be notified. Cardworks is required to contact the consumer and give them an opportunity to dispute or request verification. Consumer reporting is voluntary and not required by federal law. You must receive written consent from the consumer.
  

  The law states that reporting late payments or any type of experience with the consumer is illegal and a violation. If you are not the creditor, this account is NEW. How are you reporting a payment history and Ive never received any mail or communication from you? You have account with me opened in 2016? Where is your agreement documentation? You are a collection agency being deceptive and reporting as such. This BBB complaint is the FIRST TIME, Ive gotten communication. I have mailed a certified letter last month and stated the violations you have incurred and cannot provide documentation to validate this and I never received a response.

  These fraudulent practices and attempts to collect a debt that is not owed must stop! I have a documented trail of evidence to prove my claim. 
  

  
  *****************************
  
  
  
  
   
  

• Initial Complaint

  Date:09/22/2022

  Type:Customer Service 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 have been requesting a payoff letter be faxed to me by 9/16/22, they will not send it and it is impossible to speak with anyone in the correspondence department. This is time sensitive and they refuse to resolve it nor will they escalate it it above a supervisor.

  Business Response

  Date: 10/28/2022

  ***************************

  BBB Case ID ** *****************************

  Dear Sir or Madam,

  We are responding to the complaint from our ****** personal loan customer, **************************** 
  
  In order to comply with the *********************** - ****** Act (GLBA), *** **, has contacted the consumer directly. We have addressed their complaint and a letter was mailed to the customer today.
  
  Our bank has requested that *************************** contact the Better Business Bureau directly, in response to our resolution. Please contact us as soon as you may hear from the consumer, or, within 30 days of receipt of this letter to update us on your records.
  
  Sincerely,
  
  *** **
  Customer Service