Complaints

This profile includes complaints for General Revenue Corporation's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  General Revenue Corporation

  4660 Duke Dr Ste 200 Mason, OH 45040-8466

  
• 

  General Revenue Corporation

  11051 Northlake Dr Cincinnati, OH 45249

  
• 

  General Revenue Corporation

  325 Daniel Zenker Rd Horseheads, NY 14845

• 

  General Revenue Corporation

  8320 Craig St Indianapolis, IN 46250

• 

  General Revenue Corporation

  510 Fosters Mill Ln Suwanee, GA 30024

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:05/02/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My brother and I have been trying to resolve a debt from a company our deceased parents did business with. We were not aware that they had leased their furnace from said company and so in the meantime the account was sent to collections. This collection company is horrible in my opinion! The "bill" we received in our father's name does not have a correct account number to resolve the issue online or a valid qr code. One of the phone numbers listed is invalid as well. My brother has tried to resolve the issue over the phone but has been unsuccessful. The collection agent that is responsible for the account seems incompetent. My brother sent the documentation to her via email to prove our parents are deceased and she did not receive it within 3 days because it was in the "mail room". I have never heard of an electronic "mail room" in my life. She also does not return our calls and will now be off until next Thursday. I cannot believe that the company only has 1 person who can resolve a debt! If it was so important for the company to collect the debt then they should have employees who are competent to collect that debt. We are selling our parents house and need to resolve the lien that is currently on the house. We are under contract with a buyer and need the issue to be resolved ASAP.

  Business Response

  Date: 05/23/2025

  We
  thank the Better Business Bureau (BBB) for the opportunity to investigate and
  respond to complaint # ********.
  We received and reviewed the correspondence regarding the consumer and provide
  the following response:
  
  We are in contact with the
  representative of ***** ****** Estate and are responding to this authorized
  representative as allowed by law.
  
  Unfortunately, we are not allowed
  to disclose any further information to an unauthorized 3rd party.
  
  We agree it is our responsibility to attempt
  to resolve consumer complaints presented to the BBB. We also understand the BBB
  may or may not publish the consumer’s complaint and our responses on the BBB’s
  website. By posting this information on your website, we believe that the BBB
  has assumed responsibility for protecting the consumer’s privacy, and
  non-public information from being viewed by third parties. In addition, there
  may be other federal and/or state privacy laws that apply to release of information
  regarding the consumer in question. Therefore, because of the possibility that
  the consumer’s complaint and our response may be publicly posted on the BBB
  website, we have omitted all nonpublic, personal information regarding the
  consumer from our response.

  Customer Answer

  Date: 05/23/2025

  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, reasons for rejection are included below.

  
  

  
  

  
  
  The business could have responded to my concerns generally instead of forwarding the entire matter to my brother who is the representative of the estate. The response just solidifies my opinion that the company is incompetent. 
  
  
  Regards,
  
  
  
  ***** ******
  
  

• Initial Complaint

  Date:04/07/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been in contact with General Revenue about an account that was placed in their office. I have had concerns about balance on account that they did not address, and were reporting inaccurately to credit bureaus. I disputed the claim with the credit bureaus to verify and confirm the validity of the amount stated. It was not verified with the credit bureaus and the account has been rightfully deleted after waiting for verification and validity for 30 days. Reached out again to General Revenue, and they said they would open a dispute, but could not guarantee that payment history would be sent over, verifying the validity of the debt they are saying I owe. This is extremely exhausting to deal with at this point. This debt is not valid and I would like something in writing stating this.

  Business Response

  Date: 04/22/2025

  We
  thank the Better Business Bureau (BBB) for the opportunity to investigate and
  respond to complaint # ********. We received and reviewed the correspondence
  regarding the consumer and provided the following response:
  
  On
  August 25, 2023, ******* ********** placed your tuition loan with GRC for
  collection.
  
  On
  August 28, 2023, a validation notice was mailed to the address provided by the
  client at the time of placement as your last known address.
  
  On December 01, 2023, the debt was
  first reported to the credit reporting agencies as an open collection account
  and is currently reporting with an open balance of $4306.00.
  
  On May 28, 2024, we received a voluntary payment in the
  amount of $207.29, then on June 28, July 29 & Aug 28 of 2024 we received
  voluntary payments of $153.80 each and applied them to your account. The
  payments total $668.69. The placement amount of $4975.00 minus $668.69 in
  payments leaves a balance of $4306.31.
  On March 27, 2025, an indirect dispute was received via
  ******* which stated the dispute was regarding the balance amount. No images
  were received to advise how the balance was inaccurate. We completed our
  investigation and responded back to ******* accordingly. A verbal dispute was received
  on April 07, 2025. In response, our office mailed the validation of debt to you
  same day. Validation included a Statement of Account. A copy of the validation
  is attached for your review.
  Without
  additional information, we are unable to investigate your complaint any further.
  As a suggestion, supporting documentation you may wish to provide to us to
  facilitate our investigation would be proof of any other payments made on the
  account. Proof would be a copy of a cashed check or a banking statement showing
  the exact posting date.
  
  Pursuant
  to the request on November 29, 2024, for a partial cease and desist, GRC
  honored your request and marked the account accordingly. A partial cease and
  desist will allow us to continue sending letters but prevents us from making
  calls to you. Also, please note, this debt will remain in our office until Capella
  University closes it or a voluntary resolution is established by you.
  
  Should you have any additional
  questions regarding your account, or to establish a voluntary resolution, we
  encourage you to contact our office at ###-###-####.
  
  We
  agree it is our responsibility to attempt to resolve consumer complaints
  presented to the BBB. We also understand the BBB may or may not publish the
  consumer’s complaint and our responses on the BBB’s website. By posting this
  information on your website, we believe that the BBB has assumed responsibility
  for protecting the consumer’s privacy, and non-public information from being
  viewed by third parties. Pursuant to section 805(b) of the Fair Debt Collection
  Practices Act (FDCPA) 15 U.S.C. § 1692c(b), “without the prior express consent
  of the consumer given directly to the debt collector, or the express permission
  of a court of competent jurisdiction, or as reasonably necessary to effectuate
  a post judgment judicial remedy, a debt collector may not communicate in
  connection with the collection of any debt, with any person other than the
  consumer, his attorney, a consumer reporting agency if otherwise permitted by
  law, the creditor, the attorney of the creditor, or the attorney of the debt
  collector.” In addition, there may be other federal and/or state privacy laws
  that apply to release of information

  Customer Answer

  Date: 04/23/2025

  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, reasons for rejection are included below.

  
  

  
  

  I spoke with someone at office to validate balance after March 2023.  I graduated from the University with my degree in March 2023 but still received charges for sessions that I never attended.  They have yet to verify that information.  Attached is my degree to confirm. 
  
  
  
  
  Regards,
  
  
  
  ***** *****
  
  

• Initial Complaint

  Date:02/20/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am filing a complaint against General Revenue Corporation (GRC) for illegally reporting a fraudulent debt of $2,635 to my credit report on February 1, 2025, falsely claiming I owe money to ******* **********. I have never attended ******* ********** and never taken out student loans. This is a clear case of identity theft and false reporting, violating multiple federal consumer protection laws.
  
  Violations Committed by GRC
  Failure to Notify Me Before Reporting the Debt – GRC never sent a debt validation notice within 5 days of first contact, violating 15 U.S.C. § 1692g(a) (FDCPA).
  Failure to Verify Debt Upon Dispute – GRC has failed to provide:
  A legally binding contract with my wet-ink signature proving I agreed to this debt.
  A full chain of title proving legal ownership of the debt.
  Proof that I was notified before the debt was reported to credit bureaus.
  
  These failures violate 15 U.S.C. § 1692g(b) (FDCPA) and 15 U.S.C. § 1681e(b) (FCRA).
  Credit "Parking" & Deceptive Practices – GRC placed this debt on my credit report without prior notification, violating **** UDAAP regulations.
  
  Attempts to Resolve
  I filed a police report for identity theft.
  I formally disputed the debt, but GRC refuses to provide proof of the alleged obligation.
  I filed disputes with ********, *******, and **********, but GRC continues to report false information.
  
  Requested Resolution
  Immediate Deletion – GRC must remove this fraudulent debt from all credit reports within 7 days.
  Written Confirmation – GRC must provide a signed statement confirming deletion.
  Stop All Collection Activity – GRC must immediately cease any attempts to collect on this debt.
  Failure to Comply
  
  If this is not resolved immediately, I will escalate this complaint to the ****, ***, ******* ******** *******, and legal counsel. I will also file a federal lawsuit seeking $89,000 in damages.

  Business Response

  Date: 03/05/2025

  We
  thank the Better Business Bureau (BBB) for the opportunity to investigate and
  respond to complaint # ********.
  We received and reviewed the correspondence regarding the consumer and provide
  the following response:
  
  On October 17, 2024, ******* **********
  placed your tuition loan with GRC for collection. Please note GRC does not
  purchase debt and is licensed to collect in all states on behalf of *******
  University.
  
  On October 21, 2024, a validation
  notice was mailed to the address provided by the client at the time of
  placement as your last known address. No return mail was received.
  
  On
  February 01, 2025, the debt was first reported to the credit reporting agencies
  as an open collection account.
  
  Upon receipt of your complaint
  letter, we reached out to our client, ******* **********, and they provided validation of
  this debt which we have included for your review. This validation includes a
  Statement of Account and an Electronic Signature.
  
  To date, numerous unsuccessful call
  attempts have been made to the phone numbers ending in ****.
  
  The account was disputed on February
  21, 2025. In response, our office replied to the **** complaint ***************
  with the validation of debt to you on March 03, 2025. Validation included a
  Statement of Account and an Electronic Signature.  A copy of the validation is attached for your
  review.
  
  Pursuant
  to the request for cease and desist, GRC
  honored your request and marked the account accordingly. Please note, this debt
  will remain in our office until *******
  University closes it or a voluntary resolution is
  established by you.
  
  As
  for your claim of harassment, our records indicate all contact and attempted
  contact was conducted in
  accordance with Federal and State Laws.
  
  As for your
  request to have GRC delete the trade line from all credit reporting agencies,
  please be advised, the Fair Credit Reporting Act (FCRA) does not require us to
  report a debt to all three major credit reporting agencies; however, the FCRA
  does require us to report information with accuracy and integrity. Since the
  information reported to ********** has been validated and verified, we cannot
  remove accurate information from your credit report.
  
  After this investigation, we have
  concluded that this debt is valid. If, after reviewing the attached documents,
  you still believe this debt does not belong to you and you would like us to
  reinvestigate your dispute as an Identity Theft investigation, we will need you
  to provide the following supporting documentation:
  
  A legible copy of a Photo ID
  A signed copy of the ******* ***** **********’s Identity Theft Affidavit
  (which
  can be downloaded from the ******* ***** **********’s website ***********)
  
  Should
  you have any additional questions regarding your account, or to establish a
  voluntary resolution, we encourage you to contact our office at ###-###-####.
  
  We
  agree it is our responsibility to attempt to resolve consumer complaints
  presented to the BBB. We also understand the BBB may or may not publish the
  consumer’s complaint and our responses on the BBB’s website. By posting this
  information on your website, we believe that the BBB has assumed responsibility
  for protecting the consumer’s privacy, and non-public information from being
  viewed by third parties. Pursuant to section 805(b) of the Fair Debt Collection
  Practices Act (FDCPA) 15 U.S.C. § 1692c(b), “without the prior express consent
  of the consumer given directly to the debt collector, or the express permission
  of a court of competent jurisdiction, or as reasonably necessary to effectuate
  a post judgment judicial remedy, a debt collector may not communicate in
  connection with the collection of any debt, with any person other than the
  consumer, his attorney, a consumer reporting agency if otherwise permitted by
  law, the creditor, the attorney of the creditor, or the attorney of the debt
  collector.” In addition, there may be other federal and/or state privacy laws
  that apply to release of information regarding the consumer in question.
  Therefore, because of the possibility that the consumer’s complaint and our
  response may be publicly posted on the BBB website, we have omitted all
  nonpublic, personal information regarding the consumer from our response.

  Customer Answer

  Date: 03/10/2025

  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, reasons for rejection are included below.

  
  

  Dear ***** ********,
  I am rejecting General Revenue Corporation’s (GRC) response as it fails to address the legal violations and fraudulent credit reporting that have significantly harmed me and my family. The debt GRC is reporting is fraudulent, and their response contains multiple violations of federal law (FCRA, FDCPA, and UDAAP) that require immediate resolution.

  
  Key Issues & Violations
  1. GRC Failed to Provide Proper Debt Validation (FDCPA 15 U.S.C. § 1692g)
  GRC claims they mailed a validation notice on October 21, 2024, yet they failed to provide a copy of this notice in their response to the **** and BBB.

  
  The only documents they provided were a ******* ********** Statement of Account and an Electronic Signature, which do not meet legal requirements for validation.

  
  Legally required validation includes:
  A copy of my signed contract (wet-ink signature).
  The Forward Flow Agreement (proof of how they obtained the debt).
  The Chain of Assignment (who sold them the debt).

  Without these documents, this debt is unverified and unenforceable under federal law.

  
  2. GRC Failed to Mark the Account as “Disputed” on ********** (FCRA 15 U.S.C. § 1681s-2(a)(3))
  GRC’s response proves that they reported the debt without marking it as disputed, which is a clear violation of the FCRA.
  Reporting a debt without marking it as disputed is a form of misleading credit reporting under FDCPA 15 U.S.C. § 1692e(8).
  ********** has no dispute notation on the account, which means GRC is in violation of federal credit reporting laws.

  
  3. GRC’s Investigation Was Inadequate – Failure to Verify Accuracy (FCRA 15 U.S.C. § 1681i(a))
  A Statement of Account is NOT legal validation.
  A proper investigation would require:
  Verification that I am the legal debtor.
  A legally binding contract proving I agreed to this debt.
  Their failure to provide these documents shows their investigation was inadequate, violating FCRA 15 U.S.C. § 1681i(a).

  
  4. GRC Failed to Block Identity Theft Account (FCRA 15 U.S.C. § 1681c-2)
  I provided a police report and *** Identity Theft Affidavit proving that this debt resulted from fraud.
  Under FCRA 15 U.S.C. § 1681c-2, GRC must remove fraudulent accounts within 4 business days of receiving an identity theft report.
  Their refusal to do so is a willful violation of federal law.

  
  5. GRC’s Reporting Has Caused Severe Financial Harm
  Due to this fraudulent reporting, I have suffered:
  A significant drop in my credit score.

  Denial of a mortgage, forcing my family into a hotel.
  Emotional distress and financial hardship.

  ______________________________________________________________________________________

  To:
  General Revenue Corporation
  **** **** ****** ***** ***
  Mason, OH *****
  ###-###-####

  
  Subject: Legal Demand for Immediate Deletion of Fraudulent Debt – Final Notice Before Lawsuit

  
  Dear General Revenue Corporation,
  I am writing to formally demand the immediate and permanent deletion of the fraudulent debt you have reported on my credit file. Your actions have resulted in severe financial harm, preventing me from securing housing for my family, forcing us into a hotel, disrupting my children’s education, and causing a substantial decrease in my credit score.

  Violations Committed by GRC
  Failure to Provide Proper Debt Validation (FDCPA 15 U.S.C. § 1692g)
  You claim to have mailed a validation notice on October 21, 2024, yet you failed to provide proof of mailing or a copy in your **** response.
  You provided a ******* ********** Statement of Account and an Electronic Signature, neither of which constitute proper validation under the FDCPA.

  I formally demand a copy of my original wet-ink signature on the contract, the Forward Flow Agreement, and Chain of Assignment.
  Failure to Report the Debt as “Disputed” to Credit Bureaus (FCRA 15 U.S.C. § 1681s-2(a)(3))
  Despite my previous dispute, your company failed to update the status of this account as "Disputed" in **********. This is a clear violation of the FCRA.

  Reporting a Fraudulent Debt & Failure to Conduct a Reasonable Investigation (FCRA 15 U.S.C. § 1681i(a)) Your “validation” consists of an account statement, not legal proof of ownership or liability. The credit bureaus failed to conduct a legitimate investigation, violating their legal duty.

  Failure to Block Identity Theft Account (FCRA 15 U.S.C. § 1681c-2)
  I am a victim of identity theft and have submitted a police report and an *** Identity Theft Affidavit.

  By law, you must remove fraudulent accounts within 4 business days.
  Legal Consequences & Damages
  Due to your actions, I have suffered severe financial harm, including:
  Being unable to secure a mortgage, forcing me into a hotel.
  Disrupting my children’s education by forcing a school district change.
  Significant emotional distress.

  
  If this debt is not deleted within 7 days, I will initiate a federal lawsuit against General Revenue Corporation seeking $486,500+ in damages, including:
  $1,000 per violation of FDCPA & FCRA.
  Punitive damages for willful misconduct.
  Hotel stay costs and financial displacement due to mortgage denial.
  Emotional distress and disruption of family stability.
  Legal fees and court costs.

  
  Resolution Demand
  Immediately delete this fraudulent account from **********, ********, and *******.
  Provide written confirmation that this account has been permanently deleted.
  Cease all collection activity.
  Failure to comply will result in immediate legal action.
  

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

• Initial Complaint

  Date:01/28/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have had terrible experience with this company they called my place of business people I worked with asked them to help make payments on my account continually calledeven though I had set a payment plans recently I had spoken to someone because I had to change my account number on my checking because bank account was hacked I had been making payments for months and then I had a payment that was returned from the $3000 that I owe them from ***** university I called and wanted to fix it because they had not appropriately charged the correct banking as less checking account they didn’t wait for me to make sure they had the right information so he sent it so then it went to the wrong checking account I’ve been trying to fix it the last four it’s reporting that it’s just sitting there as a returned payment because there wasn’t the correct information the man that I spoke to you told me that I had to call back so I called back today they said they were not able to we do my payment because they have to reopen the account however I’ve been calling and calling to get this fixed and I have to call back Friday I think this is ridiculous because there’s now reporting on my account for my credit and I think it’s wrong I feel like they’re just trying to get money from this payment however the payment should’ve been the same account that’s been going for the last five months I’m very confused with this company and nobody seems to know how to they’re not always *********** and I think that they’re a scam

  Business Response

  Date: 02/10/2025

  We
  thank the Better Business Bureau (BBB) for the opportunity to investigate and
  respond to complaint # ********.
  We received and reviewed the correspondence regarding the consumer and provide
  the following response:
  
  On October 19, 2023, *******
  University placed your tuition loan with GRC for collection.
  
  On October 23, 2023, a validation
  notice was mailed to the address provided by the client at the time of
  placement as your last known address.
  
  On
  January 01, 2024, the debt was first reported to the credit reporting agencies
  as an open collection account.
  
  Upon
  receipt of your complaint, the calls were reviewed on your account and your
  allegations were found to be unsubstantiated. As
  for your claim of soliciting payments from people
  you work with, our records indicate all contact and attempted contact was
  conducted in accordance with Federal and State Laws. Pursuant
  to your request to receive no calls to any 3rd party, the phone
  numbers were marked accordingly.
  
  Below
  is a listing of voluntary payments and returned payments that were applied to
  your account.
  $562.20
  posted on 03/28/24, $313.00 payments posted on 4/29/24, 5/28/24 (returned NSF),
  7/08/24, 8/16/24 & 9/06/24 (returned NSF),  $425.00 posted on 10/11/24, $350.00 posted on
  10/25/24, $400.00 posted on 11/08/24, $375.00 posted on 11/22/24, $323.50
  posted on 12/09/24. Your account was deemed paid in full on December 09, 2024.
  The account was re-opened on December 12, 2024 due to the last payment of
  $323.50 returned as NSF. A payment of $323.50 was posted on 01/24/25 and
  returned NSF on 01/28/25. The account was closed on January 24, 2025 and
  re-opened on January 28, 2024. A payment of $323.50 was posted on 02/03/25. The
  account was closed February 03, 2025.
  
  As for your request to have GRC delete our
  trade lines from your credit report, please be advised, “The Fair Credit
  Reporting Act requires us to report information to the consumer reporting
  agencies with accuracy and integrity.” Therefore, we cannot remove accurate
  information from your credit report. The account will remain on your credit
  report up to seven (7) years from the date of delinquency or until the Credit
  Reporting Agencies remove it in accordance with their internal criteria. The
  date of delinquency on your account is January 10, 2022.
  
  Should
  you have any additional questions regarding your account, we encourage you to
  contact ******* University.
  
  We agree it is our responsibility to attempt
  to resolve consumer complaints presented to the BBB. We also understand the BBB
  may or may not publish the consumer’s complaint and our responses on the BBB’s
  website. By posting this information on your website, we believe that the BBB
  has assumed responsibility for protecting the consumer’s privacy, and
  non-public information from being viewed by third parties. Pursuant to section
  805(b) of the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. § 1692c(b),
  “without the prior express consent of the consumer given directly to the debt
  collector, or the express permission of a court of competent jurisdiction, or
  as reasonably necessary to effectuate a post judgment judicial remedy, a debt
  collector may not communicate in connection with the collection of any debt,
  with any person other than the consumer, his attorney, a consumer reporting
  agency if otherwise permitted by law, the creditor, the attorney of the
  creditor, or the attorney of the debt collector.” In addition, there may be
  other federal and/or state privacy laws that apply to release of information
  regarding the consumer in question. Therefore, because of the possibility that
  the consumer’s complaint and our response may be publicly posted on the BBB website,
  we have omitted all nonpublic, personal information regarding the consumer from
  our response.
  
  

  Customer Answer

  Date: 02/11/2025

  Better Business Bureau:
  
  
  
  I have reviewed the business's response to complaint ID ******** and have determined that this does not resolve my complaint. For your reference, the reasons for rejection are included below.

  
  

  This company shows that the payment was made from the changed account as my banking information was hacked, and our accounts need to be changed. The NSF was the last payment; however, no one let me know how, as  we had the correct information on the account for payment for months. I'm disappointed with the phone calls, the reaching out to people who were not even on my list that, from what I gather, once a person had mail to my address they searched them and phone numbers to discuss this with them or even my older children when the payment was returned. The company called people at my place of business for 3,000 who did not have a reason to know my financial statements.  I am appalled at the way they do business. 

  
  
  
  
  Regards,
  
  
  
  ***** *********
  
  

  Business Response

  Date: 02/18/2025

  We
  thank the Better Business Bureau (BBB) for the opportunity to investigate and
  respond to complaint # ********.
  We received and reviewed the correspondence regarding the consumer and provide
  the following response:
  
  Upon
  receipt of your original complaint, the calls were reviewed on your account and
  the allegations you made were found to be unsubstantiated. As
  for your claim of soliciting payments from people
  you work with, our records indicate all contact and attempted contact was
  conducted in accordance with Federal and State Laws. Pursuant
  to your request to receive no calls to any 3rd party, all 3rd party phone numbers were marked accordingly on June 25, 2024.
  
  Below
  is a listing of voluntary payments and returned payments that were applied to
  your account.
  $562.20
  posted on 03/28/24, $313.00 payments posted on 4/29/24, 5/28/24 (returned NSF),
  7/08/24, 8/16/24 & 9/06/24 (returned NSF), $425.00 posted on 10/11/24,
  $350.00 posted on 10/25/24, $400.00 posted on 11/08/24, $375.00 posted on
  11/22/24, $323.50 posted on 12/09/24. Your account was deemed paid in full on
  December 09, 2024. The account was re-opened on December 12, 2024 due to the
  last payment of $323.50 returned as NSF. A payment of $323.50 was posted on
  01/24/25 and returned NSF on 01/28/25. The account was closed on January 24,
  2025 and re-opened on January 28, 2025. A payment of $323.50 was posted on
  02/03/25. The account was closed February 03, 2025.
  
  In
  response to your rebuttal, your final payment which was returned on January 28,
  2025 was processed at 6:51A EST. We received an inbound call from you at 9:36A
  EST. Due to guidelines of the FDCPA, we would not have been able to contact you
  until 10A EST with the update that the NSF was received.
  
  As for your request to have GRC delete our
  trade lines from your credit report, please be advised, “The Fair Credit
  Reporting Act requires us to report information to the consumer reporting
  agencies with accuracy and integrity.” Therefore, we cannot remove accurate
  information from your credit report. The account will remain on your credit
  report up to seven (7) years from the date of delinquency or until the Credit
  Reporting Agencies remove it in accordance with their internal criteria. The
  date of delinquency on your account is January 10, 2022.
  
  Should
  you have any additional questions regarding your account, we encourage you to
  contact ******* University.
  
  We agree it is our responsibility to attempt
  to resolve consumer complaints presented to the BBB. We also understand the BBB
  may or may not publish the consumer’s complaint and our responses on the BBB’s
  website. By posting this information on your website, we believe that the BBB
  has assumed responsibility for protecting the consumer’s privacy, and
  non-public information from being viewed by third parties. Pursuant to section
  805(b) of the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. § 1692c(b),
  “without the prior express consent of the consumer given directly to the debt
  collector, or the express permission of a court of competent jurisdiction, or
  as reasonably necessary to effectuate a post judgment judicial remedy, a debt
  collector may not communicate in connection with the collection of any debt,
  with any person other than the consumer, his attorney, a consumer reporting
  agency if otherwise permitted by law, the creditor, the attorney of the
  creditor, or the attorney of the debt collector.” In addition, there may be
  other federal and/or state privacy laws that apply to release of information
  regarding the consumer in question. Therefore, because of the possibility that
  the consumer’s complaint and our response may be publicly posted on the BBB website,
  we have omitted all nonpublic, personal information regarding the consumer from
  our response.
  

• Initial Complaint

  Date:12/11/2024

  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.

  They keep calling: at first they said I had a Tax (IRS) problem, which I don't. Now its just message after message. Multiple calls a week. I have asked them to stop, but they continue to call.
  An annoyance is now boardering on outright harassement!

  Business Response

  Date: 12/23/2024

  We
  thank the Better Business Bureau (BBB) for the opportunity to investigate and
  respond to complaint # ********. We received and reviewed the correspondence
  regarding the consumer and provide the following response:
  
  According to our records, your
  phone number ending in **** was provided to us in an attempt to reach a party
  for whom we are handling a personal business matter.
  We had not been advised, nor did we
  have reason to believe, the phone number belonged to an incorrect party. Once
  GRC was notified of the incorrect phone number, we updated the number ending in
  **** accordingly in our systems to avoid further attempted contact.
  Our records further show no
  additional attempts to contact your phone number ending in **** since September
  26, 2024.
  We apologize for the inconvenience
  you experienced. Please do not hesitate to call and speak with our office at
  ###-###-#### with any questions or concerns.
  We agree it is our responsibility to attempt
  to resolve consumer complaints presented to the BBB. We also understand the BBB
  may or may not publish the consumer’s complaint and our responses on the BBB’s
  website. By posting this information on your website, we believe that the BBB
  has assumed responsibility for protecting the consumer’s privacy, and
  non-public information from being viewed by third parties. In addition, there
  may be other federal and/or state privacy laws that apply to release of information
  regarding the consumer in question. Therefore, because of the possibility that
  the consumer’s complaint and our response may be publicly posted on the BBB
  website, we have omitted all nonpublic, personal information regarding the
  consumer from our response.

  Customer Answer

  Date: 01/02/2025

  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, reasons for rejection are included below.

  The business notes that no calls were made post 9/26/24, this is a lie. In fact my cell call record show no less than 31 calls made since that date...likely more as I typically delete random calls to keep my log clean. A full cell record from my provider wold show additional call records.

  I do not show a call from them since 12/18/24, unless I deleted the record. I have rejected the resolution because they have lied about calls still having been made and when they were told I had no need for their services which was only after a few calls waaaaay back. Records would show when they actually started calling...my on phone record goes back to May 20, 2024, but likely before even then when hey started.

  Regards,
  
  *** ******
  
  

  Business Response

  Date: 01/10/2025

  We
  thank the Better Business Bureau (BBB) for the opportunity to investigate and
  respond to complaint # ********. We received and reviewed the correspondence
  regarding the consumer and provide the following response:
  
  According to our records, your
  phone number ending in **** was provided to us in an attempt to reach a party
  for whom we are handling a personal business matter.
  We had not been advised, nor did we
  have reason to believe, the phone number belonged to an incorrect party as GRC
  has attempted to contact the phone number ending in **** since December 24,
  2020. Once GRC was notified of the incorrect phone number, we updated the
  number ending in **** accordingly in our systems to avoid further attempted
  contact.
  Our records further show no
  additional attempts to contact your phone number ending in **** since September
  26, 2024. GRC re-verified that no call attempts have been made to this phone
  number since September 26, 2024, and is no longer a dialable number in our
  system.
  We apologize for the inconvenience
  you experienced. Please do not hesitate to call and speak with our office at
  ###-###-#### with any questions or concerns.
  We agree it is our responsibility to attempt
  to resolve consumer complaints presented to the BBB. We also understand the BBB
  may or may not publish the consumer’s complaint and our responses on the BBB’s
  website. By posting this information on your website, we believe that the BBB
  has assumed responsibility for protecting the consumer’s privacy, and
  non-public information from being viewed by third parties. In addition, there
  may be other federal and/or state privacy laws that apply to release of information
  regarding the consumer in question. Therefore, because of the possibility that
  the consumer’s complaint and our response may be publicly posted on the BBB
  website, we have omitted all nonpublic, personal information regarding the
  consumer from our response.

• Initial Complaint

  Date:10/09/2024

  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.

  I understand that this is a collection company. We have no outstanding debt, and there has been no mail notification of any issues. I want the calls to stop.

  Business Response

  Date: 10/15/2024

  We thank the Better Business Bureau (BBB) for
  the opportunity to investigate and respond to complaint # ********. We received
  and reviewed the correspondence regarding the consumer and provide the
  following response:
  
  According
  to our records, your phone number ending in ****, was provided to us in an
  attempt to reach a party for whom we are handling a personal business matter.
  When
  we spoke to you on October 10, 2024, we had not been advised, nor did we have
  reason to believe, the phone number belonged to an incorrect party. Once GRC
  was notified of the incorrect phone number, we updated the number ending in ****
  accordingly in our systems to avoid further attempted contact.
  Our
  records further show no additional attempts to contact your phone number ending
  in **** since October 10, 2024.
  We
  apologize for the inconvenience you experienced. Please do not hesitate to call
  and speak with our office at ###-###-#### with any questions or concerns.
  We
  agree it is our responsibility to attempt to resolve consumer complaints
  presented to the BBB. We also understand the BBB may or may not publish the
  consumer’s complaint and our responses on the BBB’s website. By posting this
  information on your website, we believe that the BBB has assumed responsibility
  for protecting the consumer’s privacy, and non-public information from being
  viewed by third parties. In addition, there may be other federal and/or state
  privacy laws that apply to release of information regarding the consumer in
  question. Therefore, because of the possibility that the consumer’s complaint
  and our response may be publicly posted on the BBB website, we have omitted all
  nonpublic, personal information regarding the consumer from our response.

  Customer Answer

  Date: 10/16/2024

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

• Initial Complaint

  Date:09/10/2024

  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 have had an account with General Revenue (#************), My total payment was $2,690.32. I had been paying them since February 2024. I attempted to make my last $500 payment to them and I was contacted by the company nearly two weeks after I had submitted the payment from my **** ** ******* banking account. General Revenue told me they did not have my payment, I called my bank to see if the check had been cashed and it had not. I was able to stop the check through my bank because I did not want to pay General Revenue twice. The representative, "K**" asked me that day why did I have the check cancelled. I felt like she was trying to scam me that day. My bank returned that $500 to my account on 7/5/2024. I discussed a plan with K** to send the $500 back to them when it was reached back in my account, I said I would reissue to them. General Revenue received that payment on 7/18/2024 and the resolution in my bank account says cleared. Nearly a month later General Revenue called me saying they were trying to collect a debt, I knew I had paid them they said the last check was returned for insufficient funds, They are lying and my bank account was never overdrawn, in fact I put another $500 back into my account on 7/18/2024. I have banked with my bank over 30 years and I have never had a check returned for insufficient funds. They are lying to me and I have my bank records as my proof that the check was cleared, I want my account to be satisfied and my ****** ***** ********** account should also be satisfied.

  Business Response

  Date: 09/20/2024

  We
  thank the Better Business Bureau (BBB) for the opportunity to investigate and
  respond to complaint # ********.
  We received and reviewed the correspondence regarding the consumer and provide
  the following response:
  
  On
  November 15, 2023, ****** ***** ********** placed your accounts receivable debt
  with GRC for collection.
  
  On
  November 17, 2023, a validation notice was mailed to the address provided by
  the client at the time of placement as your last known address.
  
  On February 29, 2024, we received a voluntary payment in the
  amount of $690.32. On April 25, 2024, we received a voluntary payment in the
  amount of $1000.00. On May 31, 2024, we received a voluntary payment in the
  amount of $500.00. On May 31, 2024, we received a voluntary payment in the
  amount of $500.00. On July 09, 2024, we received a voluntary payment in the
  amount of $500.00. These payments were applied to your account. Your account
  was deemed paid in full on July 09, 2024. On July 18, 2024, we received a
  voluntary payment in the amount of $500.00. Since the account was closed, the
  check was mailed back to you at the address on file. However, on August 16,
  2024 the July 09, 2024 $500.00 payment was returned as NSF and the account was
  re-opened with a remaining balance of $500.00. On September 16, 2024, we received 2
  voluntary payments in the amount of $125.00 each bringing the remaining balance
  to $250.00.
  
  As the $500.00 check from July 18th was not cashed by General Revenue Corporation, it is recommended to discuss
  this deduction with your Financial Institution. A copy of the letter, check being
  returned and the NSF received have been included for your review.
  
  Pursuant to the request for a partial cease
  and desist, GRC honored your request and marked the account accordingly. A
  partial cease and desist will allow us to continue sending letters but prevents
  us from making calls to you. Also, please note, this debt will remain in our
  office until ****** ***** ********** closes it or a voluntary resolution is established by you.
  
  Upon
  receipt of your complaint, the calls were reviewed on your account and your
  allegations were found to be unsubstantiated. As
  for your claim of harassment our records indicate
  all contact and attempted contact was conducted in accordance with Federal and
  State Laws.
  
  We
  agree it is our responsibility to attempt to resolve consumer complaints
  presented to the BBB. We also understand the BBB may or may not publish the
  consumer’s complaint and our responses on the BBB’s website. By posting this
  information on your website, we believe that the BBB has assumed responsibility
  for protecting the consumer’s privacy, and non-public information from being
  viewed by third parties. Pursuant to section 805(b) of the Fair Debt Collection
  Practices Act (FDCPA) 15 U.S.C. § 1692c(b), “without the prior express consent
  of the consumer given directly to the debt collector, or the express permission
  of a court of competent jurisdiction, or as reasonably necessary to effectuate
  a post judgment judicial remedy, a debt collector may not communicate in
  connection with the collection of any debt, with any person other than the
  consumer, his attorney, a consumer reporting agency if otherwise permitted by
  law, the creditor, the attorney of the creditor, or the attorney of the debt
  collector.” In addition, there may be other federal and/or state privacy laws
  that apply to release of information regarding the consumer in question.
  Therefore, because of the possibility that the consumer’s complaint and our
  response may be publicly posted on the BBB website, we have omitted all
  nonpublic, personal information regarding the consumer from our response.

  Business Response

  Date: 09/20/2024

  We
  thank the Better Business Bureau (BBB) for the opportunity to investigate and
  respond to complaint # ********.
  We received and reviewed the correspondence regarding the consumer and provide
  the following response:
  
  On
  November 15, 2023, ****** ***** ********** placed your accounts receivable debt
  with GRC for collection.
  
  On
  November 17, 2023, a validation notice was mailed to the address provided by
  the client at the time of placement as your last known address.
  
  On February 29, 2024, we received a voluntary payment in the
  amount of $690.32. On April 25, 2024, we received a voluntary payment in the
  amount of $1000.00. On May 31, 2024, we received a voluntary payment in the
  amount of $500.00. On May 31, 2024, we received a voluntary payment in the
  amount of $500.00. On July 09, 2024, we received a voluntary payment in the
  amount of $500.00. These payments were applied to your account. Your account
  was deemed paid in full on July 09, 2024. On July 18, 2024, we received a
  voluntary payment in the amount of $500.00. Since the account was closed, the
  check was mailed back to you at the address on file. However, on August 16,
  2024 the July 09, 2024 $500.00 payment was returned as NSF and the account was
  re-opened with a remaining balance of $500.00. On September 16, 2024, we received 2
  voluntary payments in the amount of $125.00 each bringing the remaining balance
  to $250.00.
  
  As the $500.00 check from July 18th was not cashed by General Revenue Corporation, it is recommended to discuss
  this deduction with your Financial Institution. A copy of the letter, check being
  returned and the NSF received have been included for your review.
  
  Pursuant to the request for a partial cease
  and desist, GRC honored your request and marked the account accordingly. A
  partial cease and desist will allow us to continue sending letters but prevents
  us from making calls to you. Also, please note, this debt will remain in our
  office until ****** ***** ********** closes it or a voluntary resolution is established by you.
  
  Upon
  receipt of your complaint, the calls were reviewed on your account and your
  allegations were found to be unsubstantiated. As
  for your claim of harassment our records indicate
  all contact and attempted contact was conducted in accordance with Federal and
  State Laws.
  
  We
  agree it is our responsibility to attempt to resolve consumer complaints
  presented to the BBB. We also understand the BBB may or may not publish the
  consumer’s complaint and our responses on the BBB’s website. By posting this
  information on your website, we believe that the BBB has assumed responsibility
  for protecting the consumer’s privacy, and non-public information from being
  viewed by third parties. Pursuant to section 805(b) of the Fair Debt Collection
  Practices Act (FDCPA) 15 U.S.C. § 1692c(b), “without the prior express consent
  of the consumer given directly to the debt collector, or the express permission
  of a court of competent jurisdiction, or as reasonably necessary to effectuate
  a post judgment judicial remedy, a debt collector may not communicate in
  connection with the collection of any debt, with any person other than the
  consumer, his attorney, a consumer reporting agency if otherwise permitted by
  law, the creditor, the attorney of the creditor, or the attorney of the debt
  collector.” In addition, there may be other federal and/or state privacy laws
  that apply to release of information regarding the consumer in question.
  Therefore, because of the possibility that the consumer’s complaint and our
  response may be publicly posted on the BBB website, we have omitted all
  nonpublic, personal information regarding the consumer from our response.

  Customer Answer

  Date: 09/25/2024

  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, reasons for rejection are included below.
  
  
  Regards,
  
  
  
  **** *****
  

  Customer Answer

  Date: 09/25/2024

  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, reasons for rejection are included below.
  
  
  Regards,
  
  
  
  **** *****
  

• Initial Complaint

  Date:09/05/2024

  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 have never heard of this corporation company or entity and never signed an agreement with them for any services. I am not indebted to this unknown corporation.

  Business Response

  Date: 09/13/2024

  We thank the Better Business Bureau (BBB) for
  the opportunity to investigate and respond to complaint # ********. We received
  and reviewed the correspondence regarding the consumer and provide the
  following response:
  
  On
  October 19, 2023, ******* ********** placed your tuition loan with GRC for
  collection.
  
  On
  October 23, 2023, a validation notice was mailed to the address provided by the
  client at the time of placement as your last known address.
  
  On January 01, 2024, the debt was
  first reported to the credit reporting agencies as an open collection account.
  
  To
  date, numerous unsuccessful call attempts have been made to the phone numbers
  ending in ****, **** and ****.
  
  Upon
  receipt of your complaint letter, we reached out to our client, ******* **********, and they provided validation of
  this debt which we have included for your review. This validation includes a
  Statement of Account.
  
  As
  for your request to have GRC delete our trade lines from your credit report,
  please be advised, “The Fair Credit Reporting Act requires us to report
  information to the consumer reporting agencies with accuracy and integrity.”
  Therefore, we cannot remove accurate information from your credit report.
  
  We
  agree it is our responsibility to attempt to resolve consumer complaints
  presented to the BBB. We also understand the BBB may or may not publish the
  consumer’s complaint and our responses on the BBB’s website. By posting this
  information on your website, we believe that the BBB has assumed responsibility
  for protecting the consumer’s privacy, and non-public information from being
  viewed by third parties. Pursuant to section 805(b) of the Fair Debt Collection
  Practices Act (FDCPA) 15 U.S.C. § 1692c(b), “without the prior express consent
  of the consumer given directly to the debt collector, or the express permission
  of a court of competent jurisdiction, or as reasonably necessary to effectuate
  a post judgment judicial remedy, a debt collector may not communicate in
  connection with the collection of any debt, with any person other than the
  consumer, his attorney, a consumer reporting agency if otherwise permitted by
  law, the creditor, the attorney of the creditor, or the attorney of the debt
  collector.” In addition, there may be other federal and/or state privacy laws
  that apply to release of information regarding the consumer in question.
  Therefore, because of the possibility that the consumer’s complaint and our
  response may be publicly posted on the BBB website, we have omitted all
  nonpublic, personal information regarding the consumer from our response.

• Initial Complaint

  Date:08/08/2024

  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.

  Daily robo-phone calls for over the past 6 months. I have no business with this business and never heard of them until I began receiving phone calls. I have blocked the calls, but they continue.

  Business Response

  Date: 08/20/2024

  We thank the Better Business Bureau (BBB) for
  the opportunity to investigate and respond to complaint # ********. We received
  and reviewed the correspondence regarding the consumer and provide the
  following response:
  
  On
  October 04, 2023, **** ******** ********* ****** placed your 2014, 2015, 2016
  & 2017 Personal Income Tax debts with GRC for collection.
  
  To
  date, numerous unsuccessful call attempts have been made to the phone numbers
  ending in 2500, 6692, 2284 and 5764.
  
  On
  August 16, 2024, a validation notice was mailed to the address provided by the
  client at the time of placement as your last known address.
  
  The following information is being requested
  on behalf of the **** ******** ********* ******:
              Copies
  of your 2014, 2015, 2016 & 2017 tax returns and/or
  proof of payment.
  
  You may email your documentation to ************************** or mail your
  documentation to 4660 Duke Drive, Suite 200 Mason, OH 45040-8466.
  
  Pursuant to the request for cease and desist,
  GRC honored your request and marked the account accordingly, however, this
  debt will remain in our office until the **** ******** ********* ****** closes
  it or a voluntary resolution is established by you.
  
  We
  agree it is our responsibility to attempt to resolve consumer complaints
  presented to the BBB. We also understand the BBB may or may not publish the
  consumer’s complaint and our responses on the BBB’s website. By posting this
  information on your website, we believe that the BBB has assumed responsibility
  for protecting the consumer’s privacy, and non-public information from being
  viewed by third parties. Pursuant to section 805(b) of the Fair Debt Collection
  Practices Act (FDCPA) 15 U.S.C. § 1692c(b), “without the prior express consent
  of the consumer given directly to the debt collector, or the express permission
  of a court of competent jurisdiction, or as reasonably necessary to effectuate
  a post judgment judicial remedy, a debt collector may not communicate in
  connection with the collection of any debt, with any person other than the
  consumer, his attorney, a consumer reporting agency if otherwise permitted by
  law, the creditor, the attorney of the creditor, or the attorney of the debt
  collector.” In addition, there may be other federal and/or state privacy laws
  that apply to release of information regarding the consumer in question.
  Therefore, because of the possibility that the consumer’s complaint and our
  response may be publicly posted on the BBB website, we have omitted all
  nonpublic, personal information regarding the consumer from our response.
  

• Initial Complaint

  Date:07/26/2024

  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.

  #******** - General Rev /07 college of ******** ****** $7,439
  
  Credit reporting.
  
  Improper use of credit report, and reporting company used my report improperly.
  
  Tried to fix before. this is not my account, never authorized any loans in this amount.
  
  ********** intermediate holdings Inc is whom this complaint is for.

  Business Response

  Date: 08/05/2024

  We
  thank the Better Business Bureau (BBB) for the opportunity to investigate and
  respond to complaint # ********. We received and reviewed the correspondence
  regarding the consumer and provide the following response:
  
  On
  September 25, 2023, College of ******** ****** placed your account receivable debt
  with GRC for collection.
  
  On
  September 27, 2023, a validation notice was mailed to the address provided by
  the client at the time of placement as your last known address.
  
  On December 01, 2023, the debt was
  first reported to the credit reporting agencies as an open collection account.
  
  Upon receipt of your complaint
  letter, we reached out to our client, College of ******** ******, and they provided validation of
  this debt which we have included for your review. This validation includes an
  Account Statement.
  
  As
  for your request to have GRC delete our trade lines from your credit report,
  please be advised, “The Fair Credit Reporting Act requires us to report
  information to the consumer reporting agencies with accuracy and integrity.”
  Therefore, we cannot remove accurate information from your credit report.
  
  We
  appreciate you bringing this matter to our attention.  However, GRC is not in violation of the Fair
  Debt Collection Practices Act, Fair Credit Reporting Act or any state laws.
  
  We
  agree it is our responsibility to attempt to resolve consumer complaints
  presented to the BBB. We also understand the BBB may or may not publish the
  consumer’s complaint and our responses on the BBB’s website. By posting this
  information on your website, we believe that the BBB has assumed responsibility
  for protecting the consumer’s privacy, and non-public information from being
  viewed by third parties. Pursuant to section 805(b) of the Fair Debt Collection
  Practices Act (FDCPA) 15 U.S.C. § 1692c(b), “without the prior express consent
  of the consumer given directly to the debt collector, or the express permission
  of a court of competent jurisdiction, or as reasonably necessary to effectuate
  a post judgment judicial remedy, a debt collector may not communicate in
  connection with the collection of any debt, with any person other than the
  consumer, his attorney, a consumer reporting agency if otherwise permitted by
  law, the creditor, the attorney of the creditor, or the attorney of the debt
  collector.” In addition, there may be other federal and/or state privacy laws
  that apply to release of information regarding the consumer in question.
  Therefore, because of the possibility that the consumer’s complaint and our
  response may be publicly posted on the BBB website, we have omitted all
  nonpublic, personal information regarding the consumer from our response.