Complaints

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

• Initial Complaint

  Date:07/19/2025

  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.

  This debt is from El dorado water. They sent it to Metro collection. I am disputing these charges and both of these companies seem to not comprehend. In June 2024 my husband and I left ********, because he is in the military and moved to a different state. We called El dorado to come pickup their equipment IN ADVANCE. They said it was fine that we left it outside. I have pictures of it being outside. This is not mine or my husband responsibility that the business was too lazy to get their equipment. Especially since we called in advance. Both of these companies will have a civil lawsuit if they cant close the account. Also they just demanded an amount without a written justification of why that amount is due. We arent some family that will be pushed around by this collection agency like most people.

  Business Response

  Date: 07/24/2025

  THIS ACCOUNT WAS ASSIGNED TO METRO COLLECTION SERVICE ON MAY 27 2025. DEMAND NOTICE WAS MAILED MAY 29 2025 TO *******************************************************************************. ON  JULY 1, 2025 METRO COLLECTION SERVICE CALLED COMPLAINANT AND LEFT A VOICEMAIL TO CONTACT OUR OFFICE AND SENT A NEW DAMAND NOTICE TO AN UPDATED ADDRESS OF **********************************************************. ON JULY 21, 2025 METRO COLLECTION SERVICE RECEIVED A VOICEMAIL FROM COMPLAINANT STATING THEY WOULD LIKE TO DISPUTE THIS DEBT. METRO COLLECTION SERVICE SENT COPIES OF ALL SUPPORTING DOCUMENTS PER CONSUMERS REQUEST. WE HAVE FORWARDED CONSUMERS DISPUTE TO THE ORIGINAL CREDITOR FOR THEIR REVIEW AND RESPONSE. 

   

• Initial Complaint

  Date:07/07/2025

  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 received a notice from metro collection services in 2022 they came after me in court I made payments but as a single mom of two disabled kids my payments were small since I was on a fixed income. I eventually graduated from ********** and told ***** ****** at Metro that I would like to enroll in auto pay and made a payment. The next thing I hear they're garnishing my wages. They eventually garnished 1300 from me by the end of December and they were paid off at that point. Then in May they garnished me again for the same bill the same thing. And the judge allowed it to happen. According to them my bosses took the money from me and never paid them. So they garnished me again. ***** ****** from metro collection services refused to acknowledge my paystubs providing proof that they were paid. Claiming that they have every right to regarnish my account and take whatever money they want. Meanwhile I have proof that I paid them my boss sent a letter saying that they paid them. I can't feed my kids tho. I took out a loan to cover some of the bills but it's not enough and I shouldn't have to go through this to begin with based off the fact they have already garnished me for the same thing now double what the bill was.

  Business Response

  Date: 07/24/2025

  THIS ACCOUNT HAS BEEN PAID IN FULL. I HAVE ATTACHED COMPLAINANTS MOTION THAT WAS FILED WITH JEFFERSON COUNTY, PLAINTIFFS RESPONSE TO MOTION AND JEFFERSON COUNTY COURTS RULING ON MOTION. METRO COLLECTION SERVICE DID RECEIVE A CHECK FROM COMPLAINANTS EMPLOYER ON JULY 10TH FOR PAY PERIOD 11-29-24 IN THE AMOUNT OF $837.68. THIS OVERPAID THE ACCOUNT BY $784.97 AND A REFUND CHECK (CHECK#***** IN THE AMOUNT OF $784.97 DATED 7-10-24) WAS MAILED TO COMPLAINANT ON JULY 21, 2025 TO HER HOME ADDRESS ********************************************

   

   

• Initial Complaint

  Date:06/19/2025

  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.

  Metro Collection Service is reporting an inflated balance for a lease-related debt originally totaling $932.05. They increased the balance to $1,206.00 without any court judgment or contractual right to do so. The original lease agreement does not authorize interest or post-default balance accrual, and I never signed an agreement with Metro. When I filed a CFPB complaint, Metro cited Colorado statutes that only apply after a judgment has been awarded which has not occurred. Their continued reporting of this inflated amount is misleading, harmful to my credit, and deceptive under federal law (FDCPA). I am requesting a full deletion of the account from **********.

  Business Response

  Date: 06/24/2025

  C.R.S. 5-12-101  IF THERE IS NO AGREEMENT OR PROVISION OF LAW FOR A DIFFERENT RATE, THE INTEREST ON MONEY SHALL BE AT THE RATE OF EIGHT PERCENT PER ANNUM COMPOUNDED ANNUALLY. THIS STATUTE DOES NOT STATE YOU MUST HAVE A JUDGMENT TO CHARGE INTEREST. METRO COLLECTION SERVICE HAS SUBMITTED A UNIVERSAL DATA FORM WITH TRANSUNION AND EXPERIAN TO HAVE THIS ITEM DELETED. 

  Customer Answer

  Date: 06/25/2025

  Hello, I would like to supplement my recent complaint regarding Metro Collection Service (MCS File #******). While the original complaint mentioned a discrepancy of approximately $272, I want to clarify that this issue is far more serious than a minor balance dispute. Metro Collection Service is knowingly reporting an inflated amount of $1,204.05 for a lease-related debt that originally totaled $932.05, without any judgment or contractual authority to add interest or fees. Their justification relies on Colorado statutes that are explicitly inapplicable without a court judgment, and they have refused to delete or correct the tradeline despite disputes filed with credit bureaus, the ****, and state attorneys general. This ongoing misreporting has harmed my credit for over three years, which affects loan eligibility, housing, and job applications. My formal legal demand letter was mailed via certified mail and also emailed, giving Metro Collection Service until July 4, 2025 to fully delete the tradeline or face legal action for up to $7,500 in statutory, actual, and emotional damages under federal law. Please update my complaint to reflect this context and the fact that this is not a dispute over a small balanceit is a deliberate and unlawful practice with significant consequences. Thank you, ****** ******

  Customer Answer

  Date: 06/25/2025

   
  Complaint: 23492459
  
  I am rejecting this response because: I reject the business response.
  While I appreciate Metro Collection Services statement that they submitted deletion requests to TransUnion and Experian, their justification for charging 8% interest remains legally incorrect.
  Metro cites C.R.S. 5-12-101, but this statute only defines the default interest rateit does not authorize interest unless allowed by contract or other qualifying law. The actual conditions for charging statutory interest are found in C.R.S. 5-12-102, which limits interest to specific scenarios, such as:
  When money is due on a promissory note or similar instrument;
  When money is wrongfully withheld without consent; or
  When payment is unreasonably delayed.
  None of these apply here. My lease includes no interest clause, and there is no judgment. Therefore, Metros addition of interest is both unauthorized and unlawful, constituting a violation of the FDCPA.
  I am requesting written confirmation that the debt is cancelled in full, that it will not be resold or reassigned, and that the deletion from all credit bureaus is permanent. Until verified deletion and written release are received, I cannot accept this response.
  I remain open to counteroffers, but any resolution must include:
  Permanent deletion of the tradeline from all credit reporting agencies, and
  A reasonable financial payment in recognition of the improper interest charges and credit harm caused.
  Ive attached a clear explanation of the relevant Colorado statutes to support my position.
  
  Sincerely,
  
  ****** *******

  Customer Answer

  Date: 07/02/2025

  I have rejected the business response because the legal basis they cited for applying interest is incorrect under Colorado law. I have submitted a detailed explanation of the statutes (C.R.S. 5-12-101 to 5-12-103), as well as a copy of the lease showing no clause authorizing interest.
  I appreciate that Metro has stated a ************** Form was submitted to delete the tradeline, but I am still waiting for confirmation that deletion has occurred and that the debt is cancelled in full.
  I remain open to resolving this through a reasonable payment and written confirmation of full deletion and closure of the debt. Absent that, I am prepared to pursue formal legal remedies.

  Business Response

  Date: 07/24/2025

  METRO COLLECTION SERVICE HAS SUBMITTED A UNIVERSAL DATA FORM WITH TRANSUNION AND EXPERIAN TO HAVE THIS ITEM DELETED. METRO COLLECTION SERVICE DOES NOT REPORT TO EQUIFAX. 

  Customer Answer

  Date: 07/29/2025

   
  Complaint: 23492459
  
  I am rejecting this response because: Metro is simply repeating that a ************** Form was submitted to ********** and Experian. This does not confirm that the tradeline was deleted or that the debt has been cancelled.
  
  
  I have not received written confirmation that the debt has been released or that it will not be reassigned or re-reported. I have also received no acknowledgment of the inflated balance or the legal violations previously outlined under the ***** and FCRA.
  
  
  Until I receive both verifiable deletion and a written release of the account in full, I will continue to consider this matter unresolved. I reserve all rights to pursue legal action for statutory and actual damages.
  
  
  
  Sincerely,
  
  ****** *******

• Initial Complaint

  Date:06/11/2025

  Type:Product 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/mu business have a client relationship with this company since approximately mid-year 2021. I/my business assigned files for collection of debtors that *** money to me/my business. I am NOT a debtor.Suddenly, without warning, on March 26, 2025 I received an email from my contact at Metro Collections, **** *****, that they would not accept new accounts from me/my business and in the same communication indicated he/they refused to replay to further communication with me/my business.I tried to communicate with their company immediately upon receipt of the email and have received no response. I have questions regarding the files that I assigned to them prior to the email of March 26, 2025, specifically:Whether or not and/or how I will receive funds should they collect from any of the debtors assigned to them prior to the email of 3/26/25. AND Whether or not they will continue to pursue collection from said debtors AND Whether or not they will return the files to me and/or send them to an agent I contract in the future.

  Business Response

  Date: 06/17/2025

  DUE TO SEVERAL DIFFERENT REASONS METRO COLLECTION SERVICE MADE A BUSINESS DECISION NOT TO ACCEPT ANY FURTHER ACCOUNTS FROM THIS BUSINESS AND HAS CLOSED EVERYTHING THAT WAS PREVIOUSLY ASSIGNED. (SEE ATTACHED LIST OF CONSUMERS THAT WERE CANCELLED) WE WISH THIS BUSINESS GOOD LUCK IN FINDING ANOTHER COMPANY THAT CAN HELP HER. 

• Initial Complaint

  Date:06/04/2025

  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 Quari Street Apartment HUDS. I do not have a contract with Metro collection services, they did not provide me with the original contract as I requested.

  Business Response

  Date: 06/17/2025

  THIS CLAIM WAS ASSIGNED TO OUR OFFICE FOR COLLECTION BY QUART STREET APARTMENTS ON MAY 4 2022. SAFE HARBOR NOTICE MAILED TO CONSUMER ON MAY 5 2022(COPY ATTACHED). ON AUGUST 1 2023 CONSUMER CONTACTED OUR OFFICE CLAIMING SHE WAS UNAWARE OF DEBT AND THAT SHE DOES NOT OWE THE ***** CONSUMER PROVIDED NEW ADDRESS AND NEW SAFE HARBOR WAS MAILED ON AUGUST 8, 2023 (COPY ATTACHED) ON SEPTEMBER 15 2023 A SUMMONS AND COMPLAINT WAS SENT TO THE **** COUNTY SHERIFF DEPARTMENT FOR SERVICE(COPY ATTACHED). ON OCTOBER 19, 2023 WE RECEIVED A NON SERVICE AFFIDAVIT FROM THE ****************************** STATING CONSUMER WAS OUT OF TOWN AND THEY WERE UNABLE TO DELIVER THE SUMMONS TO THE CONSUMER. NOVEMBER 15 2023 WE CALLED CONSUMER AT ************ AND LEFT A VOICEMAIL. ON MAY 29, 2024 CONSUMER CONTACTED OUR OFFICE STATING SHE DISPUTES ***** WE ADVISED CONSUMER TO PUT HER DISPUTE IN WRITING AND MAILED HER AN ITEMIZED STATEMENT OF CHARGES (COPY ATTACHED). IF THE CONSUMER WOULD LIKE TO PROVIDE A LETTER DISPUTE WE WOULD BE HAPPY TO FORWARD THAT TO THE ORIGINAL CREDITOR FOR THEIR REVIEW AND RESPONSE. ONCE THE BALANCE HAS BEEN PAID IN FULL WE WILL SUBMIT A UNIVERSAL DATA FORM WITH TRANSUNION AND EXPERIAN TO HAVE THIS ITEM DELETED. WE DO NOT REPORT TO *******

• Initial Complaint

  Date:05/24/2025

  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.

  COLLECTION AGENCY is violating the Customer Name, they removed it from one bureau and did not removed it from rest of the bureaus.

  Business Response

  Date: 06/02/2025

  ****** ****** ASSIGNED TWO JUDGMENT WITH OUR OFFICE FOR COLLECTIONS IN APRIL OF 2019. JUDGMENT #1 18S262 ENTERED 12-10-18 **************. JUDGMENT #2 18S255 ENTERED 12-07-18. BOTH JUDGMENT HAVE EXPIRED AND ARE PAST THE STATUTE OF LIMITATIONS. METRO COLLECTION SERVICE HAS CLOSED BOTH CASES AND RETURNED TO THE ORIGINAL CREDITOR. METRO COLLECTION SERVICE SUBMITTED TODAY A UNIVERSAL DATA FORM WITH TRANSUNION AND EXPERIAN TO HAVE THESE ACCOUNTS DELETED FROM MOLOMBO'S CREDIT REPORT. WE DO NOT REPORT TO *******. PLEASE ADVISE MR. ******* TO PULL A COPY OF HIS CREDIT REPORT IN 30 DAYS TO CONFIRM BOTH ACCOUNTS HAVE BEEN DELETED. 

   

• Initial Complaint

  Date:05/13/2025

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company hired another company to collect on their behalf for a debt from ************** ,my old employer. The company they hired ************** has been non responsive going on 90 days and I cannot make any payments to this account. My balance on my credit report is also wrong but that is clearly due to the fact that they have had no contact with this company either to get the accurate information on my payments and how much I owe, which can all be proven. They need to remove this debt from my credit or ask ******** to hire another company that can collect this debt legally on their behalf. I also filed a complaint with CFPB in which Metro Collections stated they do not own my account. ************** has also not responded to the **** complaint.

  Business Response

  Date: 06/01/2025

  ******************** ASSIGNED THIS CLAIM TO METRO COLLECTION SERVICE JUNE 28 2023. ON JULY 31, 2023 ******** RETURNED OUR CALL AND PROVIDED AN ADDRESS IN ***********, MD STATING SHE DID NOT OWE THIS DEBT AND THAT SHE WOULD SEND A LETTER WITH HER REASONS. METRO COLLECTION SERVICE THEN FORWARDED THE CLAIM TO ARC MANAGEMENT AS WE DIDNT HAVE AUTHORITY TO SEND MAIL OR CALL INTO THE STATE OF ********. ON AUGUST 10, 2023 ARC MANAGMENT GROUP FORWARDED US A LETTER DISPUTE THEY RECEIVED FROM ********. METRO COLLECTION SERVICE FORWARDED THIS TO THE ORIGINAL CREDITOR ASKING FOR THEMN TO REVIEW AND PROVIDE RESPONSE. ON AUGUST 14, 2023 METRO COLLECTION SERVICE RECEIVED A RESPONSE FROM THE ORIGINAL CREDITOR STATING Its a known fact within our industry (government contracting) that contracts have a specified period of performance.  When we get close to the end date of a contract (which is known in advance to all team members), all employees working under that contract receive a standard at-risk letter and HR works with them to find another suitable position within the company.  In this case, Ms. ******* was aware of the contract end date (July 2023) but we were actively looking to find her another suitable position within the company to transition her over to, which meant no gap in her employment with us.  She decided to resign voluntarily in May 2023 (attached) even though she knew that she had a guaranteed position with us at least for the duration of the existing contract (July 2022).  At no point did we determined that we had no position for her.  If she stayed with us until July 2023, and if we were unable to find another position for her and terminated her, then she would still be entitled to the bonuses.  The issue is that she voluntarily resigned and decided to take another offer.  Her claim that she had to leave is not valid.  Happy to discuss further as needed.  THIS RESPONSE WAS FORWARDED TO ARC MANAGEMENT GROUP.  ON OCTOBER 16 2023 VALENCIA CONTACTED METRO COLLECTION SERVICE STATING THIS BALANCE WAS REPORTED TO HER CREDIT HISTORY. METRO COLLECTION SERVICE EXPLAINED TO VALENCIA THIS HAD BEEN FORWARDED TO ARC MANAGEMENT GROUP AND SHE WOULD NEED TO DEAL WITH THEM.  ******** THEN STARTED MAKING PAYMENTS TO ********************. METRO COLLECTION SERVICE WAS ADVISED ON MARCH 31, 2025 THAT ******************** HAD SHUT DOWN AND QUIT DOING BUSINESS. THE PAYMENTS WE HAVE ON FILE MADE TO ARC MANAGEMENT GROUP ARE AS FOLLOWS 03/12/24 $75.00, 09/23/24 $500.00, 01/22/25 $800.00,03/05/25 $200.00 & 5/30/25 $100.00. IF THERE HAVE BEEN ANY OTHER PAYMENTS MADE PLEASE PROVIDE PROOF OF THOSE PAYMENTS SO THAT WE CAN GET THEM APPLIED TO THIS BALANCE. WE HAVE AN UPDATED ADDRESS FOR **************************************************************************************** WHICH WE DO HAVE AUITHORITY TO SEND MAIL AND CALL INTO THIS STATE. I HAVE ATTACHED A BREAKDOWN OF PAYMENTS AND PAYMENT RECEIPT THAT WILL BE SENT TODAY. SHOULD YOU WISH TO PAY THIS BALANCE IN FULL WE WILL WAIVE THE REMAINING UNPAID INTEREST OF $1,247.48.

  Customer Answer

  Date: 06/04/2025

   
  Complaint: 23322393
  
  I am rejecting this response because: this is seeming more and more like fraud every time I deal with this debt. To address Linquest claims that I voluntarily left is a lie. My supervisor called me and told me that the government was downsizing the contractors they had for my contract and since I was the last person to be hired, I was being rifted. This was the same day Linquest sent me a letter saying I was being terminated in July 2023. They were NEVER going to find me a position in the company because I asked and I was told NO. Second to address Metro Collections the bonus was only ****** I have paid $3,175 to date so how do I still owe $******. 3/12/2024-75.00, 9/23/2024-500.00, 1/22/2025-800.00, 3/************* is missing from your list of payments. Metro Collections is saying they have ***** in interest what interest there WAS NOTHING IN WRITING STATING INTEREST WAS BEING COLLECTED BY LINQUEST.  I need formal documentation regarding all money owed and why it is owed, then Metro Collections did not know the sub collector was no longer in business until I filed a complaint several times which is clear as to how they did not know how much I paid to ARC already. This debt should not be this much of a pain to rectify but I will not frauded or played with when the original debt was a scam in the beginning. I have ALL OF THE PAPERWORK FROM LINQUEST AND ALL THE ***** I NEED TO PROVE THIS IS FRAUD. 
  
  Sincerely,
  
  ******** **** (*******)

  Business Response

  Date: 06/18/2025

  I have attached ******************** response to Valencia's dispute from August 2023. ******************** reported the following payments of

  03/12/24 $75.00

  09/23/24 $500.00

  01/22/25 $800.00

  03/05/25 $200.00

  05/30/25 $100.00

   

  If any other payments have been made we need Valencia to provide proof of payment. 

   

  Customer Answer

  Date: 06/30/2025

   
  Complaint: 23322393
  
  I am rejecting this response because: I did not state that I paid this debt in full, I stated that I paid the down to 7,700(estimated) that is on the spreadsheet your company provided. However, I am being charged an additional 1200 in interest because your business took over the debt from Metro Collections. I should not be paying an additional 1200 in interest when I already made payments to Metro Collections. 
  
  Sincerely,
  
  ******** **** (*******)

  Business Response

  Date: 07/24/2025

  WHEN A DELINQUENT ACCOUNT IS ASSIGNED TO COLLECTION THE COLLECTION AGENCY CAN ADD INTEREST PER C.R.S 5-12-101 IN AN EFFORT TO SHOW GOOD FAITH METRO COLLECTION SERVICE WILL AGREE TO WAIVE ALL INTEREST AND REQUEST THAT VALENCIA PROVIDE PROOF OF PAYMENTS MADE THAT SHE IS ALLEDGING HERE NOT CREDITED TO HER ACCOUNT BALANCE OR OFFER SOME TYPE OF SETTLEMENT PROPOSAL FOR US TO RUN BY THE ORIGINAL CREIDTOR FOR THEIR REVIEW. AT THIS TIME WE SHOW A PRINCIPAL UNPAID BALANCE OF $8,775.00

   

• Initial Complaint

  Date:04/05/2025

  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 am not liable for this debt with ***********************. I do not have a contract with Metro Collection Services, they did not provide me with the original contact as requested.

  Business Response

  Date: 04/22/2025

  I HAVE ATTACHED A BREAKDOWN OF THE BALANCE DUE. JUDGMENT WAS ENTERED AGAINST SEMAJ THROUGH ************** ON APRIL 4 2024 (JUDGMENT ORDER ATTACHED ALONG WITH EXHIBITS AND MOST RECENTLY ISSUED GARNISHMENT). ONCE THIS BALANCE HAS BEEN PAID IN FULL WE WILL BE HAPPY TO SUBMITT A UNIVERSAL DATA FORM WITH *********** AND EXPERIAN TO HAVE THIS ITEM DELETED. 

• Initial Complaint

  Date:02/20/2025

  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'm not liable for this debt with METRO COLLECTION SERVICES. I do not have a contract with METRO COLLECTION SERVICES. They did not provide me with the original contract as I requested.

  Business Response

  Date: 02/26/2025

  ACTION TEAM REALTY ASSIGNED THIS CLAIM TO OUR OFFICE FOR COLLECTION ON 09/18/24. ON 9/26/24 A DEMAND NOTICE WAS MAILED TO ***** ********* (COPY ATTACHED) ON NOVEMBER 1 2024 WE CONTACTED ***** ********* BY TELEPHONE AT ************ AND SHE HUNG UP ON US WHEN WE TOLD HER WHY WE WERE CALLING HER. IN ******* COMPLAINT SHE CLAIMS SHE HAS REQUESTED WE PROVIDE HER WITH DOCUMENTATION WHICH IS SIMPLY NOT TRUE AS ***** HAS NEVER ONCE CONTACTED OUR OFFICE. I HAVE ATTACHED THE NECESSARY DOCUMENTS TO VALIDATE THIS CLAIM. IF ***** DISPUTES THIS CLAIM SHE CAN SEND US A LETTER STATING A LEGAL REASON WHY THE BALANCE IS NOT OWED SO THAT WE CAN FORWARD IT TO THE ORIGINAL CREDITOR FOR THEIR REVIEW AND RESPONSE. 

   

  Customer Answer

  Date: 03/05/2025

   
  Complaint: 22967477
  
  I am rejecting this response because: I do not recognize this account, I am not responsible for this account, the ********************** agency has not produced the original contract with my signature on it. They are violating my rights by insisting on trying to collect from me. They clearly have the wrong person. As they requested, I have also sent the attached letter via mail to you as well.
  
  Sincerely,
  
  *****************************

• Initial Complaint

  Date:11/27/2024

  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.

  There is a derogatory **** on my credit report from Metro Collection Services. I have reached out to the business requesting that they provide evidence that I owe them any type of money because I have never engaged in services with them or any type of contract with this agency. Metro Collection Services has not responded and has not been able to prove any type of debt belongs to me. I would like them to remove any debt they believe I owe and correct my credit report. I contacted the business on 27 SEP 2024 and have still not received any response.

  Business Response

  Date: 12/16/2024

  On December 18 2020 Rifle Creek Apartments assigned this delinquent account to our office for collection.  Written notice was mailed to **** on the following dates 12-21-20, 01-08-21, 02-25-21 and 02-24-22 (copies of notices attached). We also attempted several times to reach **** by phone with no success. I have attached an itemized list of charges to validate this claim. Metro Collection Service has never received a telephone call or letter from ****. We have attached an itemized list of charges from the original creditor to validate this claim. Should **** want to dispute this claim she would have to send Metro Collection Service a dispute letter stating a legal reason why she feels the balance is not owed. Once this balance has been and/or resolved we will submitt a univeral data form with Transunion and Experian to have this item deleted. We do not report to Equifax. 

  Customer Answer

  Date: 12/22/2024

   
  Complaint: 22614072
  
  I am rejecting this response because:

  I am writing in response to your communication regarding the alleged debt you claim I owe to Rifle Creek Apartments. After reviewing the documentation you provided, I must dispute the validity of this debt for the following reasons:

  Incorrect Mailing Addresses: The written notices you claim to have sent were addressed to locations I was not associated with at the time. Therefore, I did not receive any of these notices.

  Phone Contact Attempts: While you assert that you made several attempts to contact me via phone, I have no record of such calls and deny receiving any communication regarding this matter.

  Debt Ownership: The "Move Out Statement" document you provided clearly lists the name "******* ******" at the bottom under the section titled Onesite - Final Account Statement: ******* ******. This indicates that the debt in question belongs to someone else (******* ******), not me. As such, this debt is not mine.

  Given these points, I dispute this debt in its entirety. Legally, I do not owe this debt. I request that you take the following actions immediately:

  Cease all collection activities related to this alleged debt.
  Submit a ************** Form to ********** and Experian to have this item deleted from my credit report.
  Confirm in writing that this matter has been resolved and that no further collection attempts will be made.
  
  Thank you for your prompt attention to this matter. I look forward to your confirmation of resolution

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