Complaints

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

• Initial Complaint

  Date:12/19/2024

  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 no idea why this company is on my collections post on my credit score. It just has 2 posts for $266 and $251
  They have lowered my credit score significantly.

  Business Response

  Date: 12/20/2024

  *** placed two accounts in collections January 2021 with a $266.28
  balance owed for service through September 2020 and $251.45 for unreturned equipment.
  Eastern Account System sent a notice allowing time to
  dispute, pay or validate the debt prior to credit reporting to the same address
  you have listed here in your complaint. At no time were the notices returned
  undeliverable. The account did not credit report until approximately sixty days
  later. Additional notices and calls were also placed, without a response. We
  have never heard from you.
  We do have several
  different payment options, you can pay over the phone (###-###-####), on line
  at our website or mailing in the payment. If you opt to pay online the website
  is ***********************

• Initial Complaint

  Date:12/17/2024

  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.

  Re: Account Number 00000000038425104
  
  Debt Validation Request (Pre-Litigation Notice)
  
  this debt us not valid and it is stoppoing me from getting a home. This serves as my notice that If I am denied my home because of this debt. I will sue to recover all monetary damages

  Business Response

  Date: 12/17/2024

  Eastern Account System takes great pride in our approach, the
  way we communicate and maintain compliancy. Your contract is with the original
  creditor, not Eastern Account System. We do not own or purchase any debt.
  Eastern Account
  System is a third-party collection agency that works on our client’s behalf.
  Frontier
  placed an account in collections July 2024 with a $311.88 balance owed for
  service that began 12/30/13 through 4/10/24. The billing address was * **** *** ** * ********* ***
  Eastern
  Account System sent a notice allowing time to dispute, pay or validate the debt
  prior to credit reporting to the same address you have listed here in your
  complaint. At no time were the notices returned undeliverable. The account did
  not credit report until approximately sixty days later. Additional notices and
  calls were also placed, without a response. Other than a dispute made to the
  bureaus, we never heard from you.
  Validation
  of the debt owed has been requested and will be sent to you
  We do have several different payment options, you can pay
  over the phone (###-###-####), on line at our website or mailing in the
  payment. If you opt to pay online the website is ***********************

• Initial Complaint

  Date:12/16/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debit, i do not have a contract with Eastern Account System, they did not provide me with the original contract as i requested.

  Business Response

  Date: 12/16/2024

  We spoke to you about this debt on several occasions, you stated you were unable to pay.  Eastern Account System is a third-party collection agency that works on our client’s behalf. Your contract is with the original creditor, not Eastern Account System. We do not own or purchase any debt.

• 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.

  I am not responsible for this debt with ******* ***** **************. I have no agreement with Eastern Account System, and they failed to provide the original contract I requested, as required under **** ******* ********

  Business Response

  Date: 12/31/2024

  I had it as responded to on 12/17 on my end - my apologies

  Resp:This account was paid directly to the original creditor in May 2024 after the account reported.  Eastern Account System sent a notice allowing time to
  dispute, pay or validate the debt prior to credit reporting. At no time were
  the notices returned undeliverable. The account did not credit report until
  approximately sixty days later. Additional notices and calls were also placed,
  without a response.   Eastern
  does not do “pay for delete”;this violates our contract with the credit bureaus
  if we remove entries without just cause.
  

• Initial Complaint

  Date:12/10/2024

  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 recently discovered that Eastern Account has reported a collection account on my credit report without first validating the debt. Under ** *** *************, the collection agency is obligated to provide me with sufficient information to verify the debt. However, I have not received any such validation from them. This lack of validation is a violation of my rights as a consumer.
  
  Furthermore, the collection agency has not provided me with an opportunity to dispute the account, as required by ** *** ***************** I have not been informed of my right to dispute the accuracy or validity of the debt, which is a clear violation of my legal rights under this regulation.
  
  Additionally, I believe Eastern Account has engaged in false, misleading, and deceptive practices, in violation of the *****. By reporting an account without providing proper validation and failing to disclose my right to dispute the debt, they have misrepresented the nature of the debt and the associated risks to my credit.

  Business Response

  Date: 12/10/2024

  Eastern Account System takes great pride in our approach, the
  way we communicate and maintain compliancy.
  Eastern Account System is a third-party collection agency
  that works on our client’s behalf.
  The letter attached is addressed to a different collection
  agency.
  Other than disputes made directly to the bureaus, we have not
  heard from you. Your first dispute dates back to 12/30/21, the balance was
  deemed valid and owed then. Twelve additional disputes were made to the credit
  bureaus, Eastern responded each time.
  *** placed an account in collections in July 2020 with a $672.17
  balance owed for service provided through April 2020.
  Eastern Account System sent a notice allowing time to
  dispute, pay or validate the debt prior to credit reporting. At no time were
  the notices returned undeliverable. Calls were also placed, without a response.
  We do have several
  different payment options, you can pay over the phone (###-###-####), on line
  at our website or mailing in the payment. If you opt to pay online the website
  is ***********************

  Customer Answer

  Date: 12/10/2024

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:

  Attached are the 2 debt validations sent to your company in 08/2024 and 09/2024. I never received anything from your company, I didn't asked for validation of debt. I ask for proof that in fact I am the oner of this account. I mistakenly added a debt validation belonging to other collection company, but I just added the correct one. The 2 times I sent debt validation to your company; it was never returned to me, so yes, you received it. 

  
  Lastly, I am aware that the collection agency violates 12
  CFR 1006.34(d) and 15 USC 1681-S2(7)(A) as they have furnished this collection
  account to a consumer reporting agency without providing the disclosures
  required by law. The lack of required validation and notices has resulted in an
  improper reporting of this account, which should not have been placed in my
  credit report without proper compliance with the law.

  I am asking you to show me the proof that you provided me with a response of my debt validation. Until then, I need you to remove this account from my credit. 
  
  Sincerely,
  
  
  
  ****** ****

  Business Response

  Date: 12/10/2024

  Eastern Account System takes great pride in our
  approach, the way we communicate and maintain compliancy.  Your letters would not be ignored.  We have not received any correspondence from you.  If we had, we would have promptly responded.  Validation of the dent has been requested and will be mailed to you.

• Initial Complaint

  Date:12/09/2024

  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.

  Corporate purchase on an investment property. Gas bill was put in my name and not the company. Bill was sent to property and not the office. Purchase was October of 2022. Sale was in February of 2023. When we were notified by a negative unpaid account email from a credit bureau in July of 2023 we paid it right away with confirmation number. Item was removed from my credit report as a negative account all together. In august of 2024 This item reappeared on my credit as not paid. Called up eastern account service to let them know I had a confirmation number. upon further investigation. We both realized it was a system error, and the money was never withdrawn in July of 2023. We paid it again right away with a new confirmation. Trying to have the removed off of my credit as this was not my account it was a corporate account. They have also reported this investment property as my primary residence which it is not. If they had set up the account correctly the bill would have been paid. I find it very concerning that a company can just say it is your primary address destroy your credit and there is nothing the consumer can do. Even when all supporting documents have been sent to company to justify our claims. If I didn't pay my bills, I would expect this, but this is a mistake on their part, and I am living with the repercussions of their poor service and reporting. Please see all attached supporting documents to substantiate my claims. Thank you.

  Business Response

  Date: 12/09/2024

  As a one time courtesy, we have requested that the account be removed from the credit reporting. Please allow time for the bureaus to update your records.

• Initial Complaint

  Date:12/06/2024

  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.

  Dear Better Business Bureau,
  
  I am writing to file a formal complaint against ******** ************** regarding an erroneous collection entry that has negatively impacted my credit report. This issue is not only the result of an error on ********** part but has also caused significant harm to my financial standing.
  
  I have been a loyal customer of ******** **************, and my account has consistently been in good standing, as I have been enrolled in their autopay program. However, after my service was disconnected, ******** failed to bill me for connection fees, and as a result, my account was mistakenly sent to collections. I was never notified by ******** about this issue, and I was completely unaware of any collections activity on my account until it was brought to my attention recently.
  
  I recently applied for financing to build my dream home. During the final approval process, I was informed that a collection entry from Eastern Collection, representing ******** **************, was reported on my credit report. This error has severely impacted my credit score and jeopardized my mortgage application.
  
  Despite the fact that the charge was incorrect and should not have been placed on my credit report, I made the decision to pay the collection amount in full in good faith to resolve the matter. However, the negative mark remains on my credit report and continues to damage my financial reputation.
  
  I respectfully request that the BBB assist in resolving this issue by urging ******** ************** to remove this unwarranted collection entry from my credit report. The error was entirely due to ********** failure to properly bill me, and the subsequent collection activity is not my fault. This wrongful charge is adversely affecting my life and financial future, and I seek your help in ensuring that it is promptly removed.
  
  Thank you for your time and attention to this urgent matter. I look forward to your support in resolving this issue quickly.

  Business Response

  Date: 12/06/2024

  Eastern Account System is a third-party collection agency that works on our client’s behalf. We are not ********. The original creditor recalled the account. Eastern has requested the account be removed from the credit. All updates are sent automatically and electronically. We are no longer handling this account.

• Initial Complaint

  Date:12/05/2024

  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 requested a proper debt validation to this alleged debt that is being inaccurately reported on my credit. The company did not respond. I submitted a complaint to the **** asking this reporting be removed from my credit report. The company responded but DID NOT do anything they said they did. No validation, no correspondence, nothing. I have never recieved a letter or phone call from them. They stated the email address from which I filed the complaint was the same that I used to open the account, this is also incorrect. I want this incorrect information removed from my credit report.

  Business Response

  Date: 12/05/2024

  You filed a **** which we promptly responded to the same day. Validation has been requested and will be sent to you. (you listed an email address in the **** complaint which is the same that the original creditor had on file) See response:Eastern Account System takes great pride in our approach, the way we communicate and maintain compliancy. Your contract is with the original creditor, not Eastern Account System. We do not own or purchase any debt.
  Eastern Account System is a third-party collection agency that works on our client’s behalf.
  Other than disputes made directly to the bureaus, we have not heard from you.
  ******** placed an account in collections in December 2023 with a $375.39 balance owed for service provided beginning in July 2018 through October2023. The account was opened utilizing the same email listed in this complaint
  Eastern Account System sent a notice allowing time to dispute, pay or validate the debt prior to credit reporting. At no time were the notices returned undeliverable. Calls were also placed, without a response.
  Validation of the debt has been requested and will be mailed to you.
  We do have several different payment options, you can pay over the phone (###-###-####), on line at our website or mailing in the payment. If you opt to pay online the website is ***********************

  Customer Answer

  Date: 12/06/2024

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: No legal validation has been provided for this alleged debt and I want it removed from my credit report.  All I am asking is that you contact ********* ******* *** ********** and have them delete this from my credit.  I will pursue further action under the ***** and will sue you for each violation of federal law from this point forward.  Please have this alleged debt removed from my credit.
  
  
  
  Sincerely,
  
  
  
  ****** ****

• Initial Complaint

  Date:12/02/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I recently had ******* service for my apartment in ***** *** ********. When I moved out in August, I had returned my wifi router, but I did not realize I had an outstanding balance on my account. ******* contacted my email several times, but I missed these messages and eventually they sent the balance to a debt collector called Eastern Account Systems (EAS). This company has texted me three different times to tell me about my debt with them and I know now that this is coming from my closed ******* account. EAS have not contacted me by mail or by email - they have just sent me text messages. In each of these messages they tell me I have a debt to owe but do not give me any information about my account. When I try to either talk to someone over the phone or chat online, I am unable to verify any account information. I do not have my account number with them because that was never given to me. When telling/typing in my phone number with the account, they respond by saying they have a record on file attracted to that number. This is false because they are contacting me through my phone number. I have the messages on my phone and have screenshot my chat messages with them to prove they say they do not have the number on file. Since I am not able to verify anything with my account (specifically unable to verify my phone number) they are not sending me to a live agent to speak with. I know I have a balance but are not being given anyway to discuss it and also pay it. In order to speak with someone, I have to be able to pull up an account which I have one with my phone number, but over the phone I am hung up on and online I keep getting routed through AI questions. I need help to pay this balance because I have no way to doing so currently.

  Business Response

  Date: 12/03/2024

  Eastern Account System is a third-party collection agency that works on our client’s behalf. Eastern Account System takes great pride in our approach, the way we communicate and maintain compliancy.  The account lists the same email address and phone number provided here in this complaint. Eastern Account System sent notice on 11/12/2024 allowing time to dispute, pay or validate the debt prior to credit reporting. At no time were the notices returned undeliverable.
  ******* placed an account in collections in November 2024 with a $115.15 balance owed for service that began September provided through August 2024 @ **** ********** ** *** ** ***** *** *I.
  We do have several different payment options, you can pay over the phone (###-###-####), on line at our website or mailing in the payment. If you opt to pay online the website is *********************** Your EAS account number is ********.

• Initial Complaint

  Date:12/02/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  To Whom it may concern,
  
  This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
  
  EASTERN ACCOUNT SYSTEM
  ACCT #: 38451738
  BAL. $ $376
  
  Under the Fair Credit Reporting Act, 15 U.S.C. § 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don’t respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

  Business Response

  Date: 12/03/2024

  Eastern Account System is a third-party collection agency
  that works on our client’s behalf. Your contract is with the original creditor, not Eastern
  Account System. We do not own or purchase any debt.
  Eastern Account System is a third-party collection agency
  that works on our client’s behalf.
  ******* placed an account in collections in July 2024 with a $233.75
  balance owed for service that began May 2023 provided through December 2023 @ **** ***** ** *** ****  **** **** ***** *** The account was disconnected for nonpayment. This account was also placed with
  another agency prior to Eastern Account System as well. The account lists the
  same last four of the ssn you have provided in this complaint as well.
  Other than disputes made to the bureaus directly, we have never
  heard from you. Eastern Account System sent a notice allowing time to dispute,
  pay or validate the debt prior to credit reporting. At no time were the notices
  returned undeliverable. Calls were also placed without a response. The account
  did not credit report until approximately 60 days later.
  Validation of the debt has been requested and will be sent to
  you.
  We do have several
  different payment options, you can pay over the phone (###-###-####), on line
  at our website or mailing in the payment. If you opt to pay online the website
  is ***********************