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:08/29/2025

  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 paid off a debt completely, complied with the agents to send them receipts of payments, because for some reason they don’t track that themselves? Attempted multiple times to have them acknowledge it was paid and report to credit bureau’s. They keep saying it’s not paid even after I supplied them with proof and also telling the credit bureau’s the debt is not paid and valid to avoid removing the debt from my credit report.

  Business Response

  Date: 09/01/2025

  The account was just recently paid only a few days ago.  All updates are sent to the credit bureaus on the 10th of each month (or next business day). Please allow time for the bureaus to update your records. 

  Customer Answer

  Date: 09/02/2025

  
  
  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. They do seem to not have a very good ability to communicate to the clients which should be addressed, coming for help with BBB shouldn’t be the case to get a response. While they weren’t honest about when the debt was paid, I’ll wait until the 10th of September before further action.
  
  
  
  Sincerely,
  
  
  
  ***** *****

• Initial Complaint

  Date:08/27/2025

  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.

  In June 2025, Eastern Account System began reporting an alleged debt of $690.48 related to a ******** ************** account. I disputed the debt and requested validation under the Fair Debt Collection Practices Act (FDCPA), ** ****** * *********
  
  Despite my dispute, the company has continued collection activity and reported the account to the credit bureaus without providing legally required validation. In fact, their August 15, 2025 response to the CFPB admits that “validation of the debt will be sent,” but nothing has ever been provided.
  This conduct violates the FDCPA and the Fair Credit Reporting Act ****** ** ****** * ***********. I am requesting that Eastern Account System:
  1. Cease all collection activity,
  2. Remove all negative credit reporting until proper validation is provided, and
  3. Confirm compliance in writing

  Business Response

  Date: 08/27/2025

  Other than validation, all communications will cease per your request.
  You
  recently filed a CFPB complaint, and I promptly responded to you. Yes,
  validation will be sent. -  Response
  provided: Other than a dispute made to the credit bureaus, we have never
  heard from you. 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. Your contract is with the original creditor, not Eastern
  Account System. We do not own or purchase any debt. Your permission is not
  required to report a debt owed to the bureaus.
  ******** placed an account in collections in June 2025 with a $690.48
  balance owed for unreturned equipment and service provided through February
  2025.
  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.
  Validation of the debt 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 ***********************

  Customer Answer

  Date: 08/27/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: I am requesting validation and non is provided. The company has not  tesponded and is violating my consumer rights. I will be escalating this complaint to the *** and to my ***** ********. 
  
  
  
  
  Sincerely,
  
  
  
  ***** ****

• Initial Complaint

  Date:08/26/2025

  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 this complaint in regard to a debt collection attempt by EASTERN ACCOUNT SYSTEM I, allegedly on behalf of ********.
  
  I dispute this debt in its entirety and state clearly that I am not liable for any debt with *** *******. I have never entered into any agreement or contract with ***** * ******, and as such, they are not authorized to collect any debt from me without proper substantiation.
  
  I previously requested validation of the debt, specifically a copy of the original contract or agreement with *** ******* that allegedly binds me to this obligation. ***** * ****** has failed to provide this documentation, which is a violation of my rights under the Fair Debt Collection Practices Act (FDCPA).

  Business Response

  Date: 08/26/2025

  You state in your complaint: "I dispute this debt in its entirety and state clearly that I am not liable for any debt with *** *******. I have never entered into any agreement or contract with ***** * ******, and as such, they are not
  authorized to collect any debt from me without proper substantiation."  Eastern Account System is not associated with or affiliated with *** ******* and/or ***** * ******.

  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. Your contract is with the original creditor (********), not Eastern Account System.
  We do not own or purchase any debt. 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 notice was sent 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 ***********************

• Initial Complaint

  Date:08/25/2025

  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 writing to formally dispute the account listed under account number on my credit report. This acc*********ount was not authorized by me and appears to be the result of fraudulent activity. I have no record of applying for or entering into any agreement with COLLECTION.
  
  In accordance with ** ****** * ***** (Validation of Debts), you are obligated to provide written verification of this debt or a copy of any judgment within 30 days of receiving this notice. To date, I have not received any signed contract or documentation demonstrating my authorization of this account. Without a valid agreement bearing my signature, there is no legal basis for this account to remain in my name.
  
  As this account was fraudulently established, I demand its prompt removal from my credit report and an immediate halt to any collection activities. If you are unable to provide proper validation within 30 days, you must delete this account from my record and cease all related collection efforts.
  
  Please confirm receipt of this correspondence and advise me of the steps you will take to resolve this matter.

  Business Response

  Date: 08/25/2025

  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. Your contract is with the original creditor,
  not Eastern Account System. We do not own or purchase any debt. Your permission
  is not required to report a debt owed to the bureaus.
  ******* ****** placed an account in collections in February 2025
  with a $1557 balance owed for equipment and service provided through January
  2022.
  This account was also placed with another agency prior to Eastern
  Account System
  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 notice was sent 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 ***********************
  If you still believe that this
  was identity theft, per the original creditor: To resolve your issue, please
  click on the following link:    ****************
  You may also call ###-###-####.
  Please access one of these
  resources to validate your claim.

• Initial Complaint

  Date:08/25/2025

  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.

  Eastern Account System is reporting a ******** collection (account ending ***** $129) that I do not recognize. I have disputed this with the company and the credit bureaus multiple times and asked for proof (contract, itemized billing, and proof they are authorized to collect and report). They said they mailed the documents, but I never received anything and no tracking or duplicate was provided. They continue reporting the account to *******, ********, and **********, which has harmed my credit, caused stress, and cost me opportunities. My most recent written dispute was sent 08/23/2025 (attached). Delete the Eastern Account System/******** tradeline from all credit bureaus, stop furnishing the account, and send me written confirmation.

  Business Response

  Date: 08/25/2025

  You have filed more than one **** complaint, the most recent in July.  Validation was sent to the same email address and mailed to the same address, you have listed here. I just emailed it to you again - The response to the **** complaint in July:You filed a **** complaint in March 2025 - We have since sent you validation of the debt owed. We will send it again. You filed several disputes with the credit bureaus and then in June 2025 - you sent a letter stating -  I am writing to official withdraw any prior dispu associated with the above referenced account.  The letter attached is dated 7/10/25; not allowing time to be received. 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. Your contract is with the original creditor, not Eastern Account System. We do not own or purchase any debt. Your permission is not required to report a debt owed to the bureaus. The account will report as a disputed account. You have disputed this again since your letter in June.

• Initial Complaint

  Date:08/19/2025

  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.

  The balance reflects interest amounts that were never part of the original loan terms.

  Business Response

  Date: 08/19/2025

  Eastern Account System is a third-party collection agency that works on our client’s behalf.  We have not added any interest.  The account is not a loan, or an account that accrues interest while in collections.  ******** placed an account in collections in November 2021 for service provided through July 2021. 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 notice was sent 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: 08/21/2025

  I am not accepting the resolution for this is very urgent matter and it is hindering me to reach my financial goal I wanted this to be resolve immediately.

• Initial Complaint

  Date:08/18/2025

  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 not liable for this debt with ******* ***** **************. I do not have a contract with EASTERN ACCOUNT SYSTEM, they did not provide me with the original contract as requested.

  Customer Answer

  Date: 08/18/2025

  Hello.

  I have communicated with ******* on  March 18, 2025 to cancel my service on April 1, 2025 because I was moving. I do not recall the name of the of the representative I spoke with however I was told no bill was owed because I have been paying my statements in advance and that my bill cycle end on the 7th of each month therefore they would owe me a credit/refund. On April 5th or 6th I had to call back because ******* did not cancel my service as requested and continued to bill me. I was informed that the billing was in error and it would be taken care of. They have yet to fix there error and have kept sending me a bill for service I do not have nor a contract with them and somehow sent me to collections.
  

  Business Response

  Date: 08/18/2025

  Prior to this complaint, we have never heard from you. 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. Your contract is with the original creditor, not Eastern Account System. We do not own or purchase any debt. Your permission is not required to report a debt owed to the bureaus. ******* placed an account in collections in June 2025 with a $133.11 balance owed for service provided through April 1 2025. (same as you have listed in the complaint) 
  The last payment (February 2025) was made prior to disconnect and the final prorated bill being generated.  
  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 notice was sent 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: 08/18/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:
  
  
  I am responding to the business’s statement regarding my complaint. Their own admission—that they “have never heard from me prior to this complaint”—actually confirms the core of my concern.
      1.    Failure to Establish Contact and Provide Validation
  Under the **** **** ********** ********* *** ******* ** ****** * ******, a debt collector must provide the consumer with a written notice of the debt and an opportunity to dispute and request validation within 30 days of initial contact. By admitting that they never had contact with me prior to this BBB complaint, Eastern Account System confirms they failed to meet this statutory obligation.
      2.    Improper Reporting Without Validation
  *** **** ****** ********* *** ****** ** ****** * ******2) requires that information furnished to credit reporting agencies be accurate and complete. Reporting a debt without first validating it, and without ever contacting me directly, constitutes furnishing information without a permissible purpose and without proper compliance with validation requirements.
      3.    Privacy and Consumer Rights Violations
  Since no proper communication or validation occurred, Eastern Account System has no lawful basis to access or report my private credit information. This is a violation of both my privacy rights and federal law regarding permissible use of consumer reports.
  
  Requested Resolution:
      •    Cease all collection activities immediately.
      •    Remove or prevent any reporting of this alleged debt to any credit bureau.
      •    Provide written confirmation that this matter is closed and no adverse credit reporting will result.
  
  Eastern Account System’s own admission of “no prior contact” makes it clear this complaint is justified. Until the above resolution is confirmed, I maintain that this matter remains unresolved.
  
  
  Sincerely,
  
  
  
  ****** ********

  Business Response

  Date: 08/19/2025

  For clarification purposes, the lack of your response does not indicate that Eastern Account System did not make efforts to communicate with you. Per my previous response: 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 notice was sent without a response.   An additional notice was sent on
  8/13/25; without a response.  Notices were sent to the same address you have listed here in this complaint.  In addition to the notices, several calls were placed; without a response.  Other than validation, Eastern has ceased all communications.

  Customer Answer

  Date: 08/19/2025

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

  I respectfully disagree with Eastern Account System’s reply.
  
  I never received any notices or communication from Eastern prior to discovering this alleged debt on my credit report on August 16, 2025, at which time I immediately initiated my dispute.
  
  If Eastern claims to have sent multiple letters and made several calls, I request they provide documented proof of these alleged attempts, including:
      •    Copies of all letters with proof of mailing (certified mail receipts, tracking numbers, etc.).
      •    Call records showing the dates, times, and numbers dialed.
  
  Simply stating that letters were “not returned undeliverable” is not sufficient proof under federal law.
  
  Relevant Consumer Protections:
      •    ***** * ** ****** * ********* If a consumer disputes a debt in writing, the collector must cease collection until verification of the debt is mailed to the consumer. Reporting or continuing to report without validation is prohibited.
      •    ***** * ** ****** * *****: Debt collectors may not use false, deceptive, or misleading representations. Claiming validation without providing proof falls under this prohibition.
      •    **** * ** ****** * ***************** A furnisher shall not furnish information relating to a consumer if it knows or has reasonable cause to believe the information is inaccurate.
      •    **** * ** ****** * **********: Once a consumer disputes, the furnisher must conduct a reasonable investigation and provide verification before continuing to report.
  
  Eastern admits that there was no direct contact with me, yet they have already reported (or are attempting to report) the alleged debt. This is a direct violation of the ***** and ****, as the debt remains unvalidated.
  
  I am demanding:
      1.    Full validation of this alleged debt, including the original signed contract, complete itemized accounting, and proof that I am legally obligated.
      2.    Proof of all alleged communication attempts.
      3.    Immediate cessation of credit reporting until proper validation is provided.
  
  Unless Eastern provides verifiable documentation, their claim that they fulfilled their obligations remains unsubstantiated.
  

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

• Initial Complaint

  Date:08/15/2025

  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.

  To Whom it may concern,
  
  Please dispute the following account with Eastern Accounts System /******* ***** ************** Account number: ******** Account balance: $186.00, that have been opened or used in my name as a result of a recent data breach. I was recently notified that my personal information may have been compromised, and I have reason to believe that this has led to unauthorized activity on my credit report and/or new accounts being opened without my consent. I did not authorize the opening or use of this account and was not aware of its existence until reviewing my credit report (or receiving a collection notice. This activity is the result of identity theft stemming from a data breach.
  
  Please investigate this matter and respond to me in writing at your earliest convenience. I expect a response within 30 days, as outlined by the **** ****** ********* *** (****) and applicable state

  Business Response

  Date: 08/15/2025

  Per the original creditor:
  To resolve your issue, please click on the following link:    ****************
  You may also call ###-###-####. 
  Please access one of these resources to validate your claim.

• Initial Complaint

  Date:08/13/2025

  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.

  Ruined my credit score with false information from a creditor I had no information of neither did I start this account

  Business Response

  Date: 08/13/2025

  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. Eastern cannot adjust or alter the bill in anyway. ******* placed an account in collections in June 2025 with a $233.27
  total balance owed for unreturned equipment and service provided that began in May
  2020 through May 2024.
  The service address was **** * **** **  ************ **.  The last payment was made prior to disconnect
  and the final prorated bill being generated. 
  Eastern Account System sent a notice allowing time to
  dispute, pay or validate the debt prior to credit reporting to the same address
  listed here in this complaint. At no time were the notices returned
  undeliverable. The notice was sent without a response.

  We have ceased all future communications including credit reporting.
  Follow up with the original creditor may be required.
  

• Initial Complaint

  Date:08/12/2025

  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 being charged for a bill that's my neighbor's .I spent 5 hours in 2 days.. and was assured it was taken care of ..look at the transcript of our conversation

  Business Response

  Date: 08/12/2025

  The account was recently recalled by the original creditor. We are no longer handling this account.
  Please follow up with the original creditor directly. Please allow time for the bureaus to update your reports.