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:10/22/2025

  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 against Crown Asset Management, LLC, who hired Gurstel Law Firm to collect on an account that was fraudulently opened under my name by my late sister-in-law, who passed away by suicide and left no assets or estate.I have a settlement agreement that is being handled through my attorney.Despite that, Gurstel acting on behalf of Crown Asset Management, continued contacting me directly after being told to stop, and sent a process server to my parents home, where I no longer live.The process server verbally harassed my 78 year old father, a cancer patient and veteran, disclosed details of my debt to him (a third party), and caused him to suffer a panic attack resulting in a medical emergency. I was later informed by another attorneys office that Gurstel is attempting to sue me, even though this account is already being settled and fraudulent in origin.Since my sister in laws death, I have been caring for her son, raising two young children, and supporting my disabled daughter with high medical expenses, all while managing financial hardship following a recent layoff. Gurstels repeated harassment, under Crown Asset Managements authority has caused severe emotional distress, health issues, and financial strain on my family.Because Gurstel was acting as Crown Asset Managements authorized agent, Crown is fully responsible for these actions and violations under the Fair Debt Collection Practices Act (15 U.S.C. 1692c(a)(2), 1692c(b), 1692d, 1692e) and the California ********* Fair Debt Collection Practices ************** Code 1788.111788.17), including:Contacting me directly after notice of attorney representation Disclosing debt information to a third party Harassing and verbally abusing an elderly family member Continuing communication after written notice to cease Attempting legal action despite a valid settlement being worked on with an attorney and fraud

  

  Business Response

  Date: 10/29/2025

  Crown Asset Management,LLC (CAM) is in receipt of ***** Jacksons BBB complaint, case number ********. As stated in our Consumer Relations Policy, in all that we do, we strive to treat consumers with respect and dignity. We are committed to engaging in dialogue that is respectful and constructive, creating solutions for our consumers that resolve their debt, and ensuring that those who work on our behalf adhere to these same standards.
  
  Our investigation of this matter indicates that ***** Jacksons Cross River Bank, Upgrade, account ending in 9759 was opened on May 24, 2022, charged-off by Pagaya AI Debt Grantor Trust 2022 2 on March 25, 2024, and subsequently purchased by *** on or about April 22, 2024.
  
  On March 13, 2025, **** collection vendor, ****************, P.C. (Gurstel), sent a model validation notice to the consumer. On April 17, 2025, Gurstel was contacted by ****** ******* with The ******* Firm, P.C. (*******), informing Gurstel of their active representation of the consumer. On June 27, 2025, ******* requested a settlement payment arrangement, which was formalized in a letter dated July 11,2025.
  
  As no payments were made towards the agreed upon payment arrangement, ******* filed a lawsuit on September 30, 2025. During our investigation, CAM found no evidence to substantiate the claims made against the process server.
  
  Gurstel contacted ******* on October 22, 2025, regarding the consumers claims. ******* confirmed that the consumer is withdrawing their claim of fraud and their allegations related to the process server.
  
  CAM is not a data furnisher and does not report any information to credit bureaus. Additionally,*** does not have the authority to amend or delete tradelines reported by other companies.
  
  The consumers account is currently placed with Gurstel for servicing, who may be reached directly at **************.

• Initial Complaint

  Date:10/19/2025

  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.

  Recently, I discovered that **** sold or transferred my debt to a third-party collection agency, crown asset Management LLC. without providing me with adequate notice or explanation. I was not informed of the sale, nor was I given an opportunity to resolve the matter directly with the original creditor before the transfer occurred.

  

  Business Response

  Date: 10/24/2025

  Crown Asset Management, LLC (CAM) is in receipt of ****** ******** BBB complaint, case number ********. As stated in our Consumer Relations Policy, in all that we do, we strive to treat consumers with respect and dignity. We are committed to engaging in dialogue that is respectful and constructive, creating solutions for our consumers that resolves their debt, and ensuring that those who work on our behalf adhere to these same standards.
  
  Our investigation of this matter indicates that ***************************************************, account ending in 8486 was opened on April 25, 2019, charged-off on March 31, 2025, and subsequently purchased by *** on or about April 15, 2025.
  
  Prior to receiving the subject complaint,*** has not received a request from the consumer requesting documentation to validate the debt. Validation of the debt is attached for the consumers convenience, [LB1] which includes a July 8, 2025, letter from Comenity ************ sent to the same address the consumer listed in this BBB complaint, that the charged off account was sold to CAM.
  
  Further, CAM was informed that the consumer is working with Beyond Finance in order to resolve this account and has been making monthly payments of $25.00 since June 26, 2025, totaling $100.00.
  
  The consumers account is currently placed with Second Round, LP, for servicing, who may be reached directly at **************.

• Initial Complaint

  Date:10/08/2025

  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 and crown asset agreed reduce settlement 09/24 with five lakes law groups, I'm making payment every month and sueing me for total amount, law group *****,***** not trying resolve issues. I have paper work of settlement

  

  Business Response

  Date: 10/15/2025

  Crown Asset Management (CAM) is in receipt of ****** ****** BBB Complaint Case # *********** stated in our Consumer Relations Policy, we strive to treat consumers with respect and dignity in all that we do. We are committed to engaging in respectful and constructive dialogue, creating solutions for our consumers that resolve their debt, and ensuring that those who work on our behalf adhere to these same standards.
  
  Our investigation of this matter indicates that ****** ****** has the following two (2) open accounts being serviced by **** collection vendor *****, ****** & ****, P.A. (*****):
  
  1.           Cross River Bank, ********************, account ending in 8000, was opened on June 15, 2021, charged-off by Upstart Funding Grantor Trust ****** on June 16, 2023, and subsequently purchased by CAM on or about July 28, 2023.
  
  2.           WebBank, *********************,account ending in 0625, was opened on December 15, 2022, charged-off by Pagaya AI Debt Grantor Trust ****** on June 15, 2023, and subsequently purchased by CAM on or about August 7, 2023.
  
  Account ending in 8000, has a current agreement to pay $173.00 monthly until paid in full between the consumers representative, ********************, **** and *****. The consumer has paid $2,249.00 between October 7, 2024 and October 7, 2025.
  
  Account ending in 0625 has the same representative, ********************, ****, but after having received no response, on or about April 9, 2025, a lawsuit was filed, and service was perfected on or about April 25, 2025. Judgment was awarded to CAM on or about May 19, 2025.
  
  The consumers account is currently placed with ***** for servicing and encourages their representative to contact them directly at ************.

• Initial Complaint

  Date:09/30/2025

  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.

  Took me to court on a balance that was sold off to them but was apart of a settlement that happen two years later and in the settlement they paid me and supposed to forgive my loan they reduce my balance to zero and removed it from my credit report apart of the Santander settlement told me to involve crown asset that I was apart of the settlement and my balance was forgiven and to have them Look at the Santander settlement contract

  

  Business Response

  Date: 10/07/2025

  Crown Asset Management (CAM) is in receipt of Pierre ******** BBB Complaint Case # *********** stated in our Consumer Relations Policy, we strive to treat consumers with respect and dignity in all that we do. We are committed to engaging in respectful and constructive dialogue, creating solutions for our consumers that resolve their debt, and ensuring that those who work on our behalf adhere to these same standards.
  
  Our investigation of this matter indicates that ****** ******* entered a Santander Consumer Auto Loan ending in 1000 was opened on October 14, 2016, charged-off on May 31, 2018, and subsequently purchased by *** on or about August 27, 2019, and is currently with *****,****** & ****, P.A. (*****) for servicing.
  
  Our investigation found in 2021, ********************** was involved in a settlement with a coalition of 34 state attorneys general related to its subprime auto lending practices.  Santander was required to pay restitution to participating states, which was intended for certain consumers who defaulted on loans between January 1, 2010, and December 31, 2019.  These monies were not a loan forgiveness but rather a restitution payment.
  
  After attempts to amicably resolve this matter were unsuccessful, a lawsuit was filed on or about July 30, 2020, and service was perfected at ******************************************************************************, on or about February 14, 2022.  Judgment was awarded to CAM on or about February 19, 2025.  ***** filed a wage garnishment proceeding on or about August 22, 2025, and on September 26, 2025, a garnishment payment of $192.83 was received.
  
  CAM is not a data furnisher and does not report any information to credit bureaus. Additionally,*** does not have the authority to amend or delete tradelines reported by other companies.
  
  The consumers account is currently placed with ***** for servicing, who may be reached directly at ************.
  
  

• Initial Complaint

  Date:09/26/2025

  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.

  Send someone to my place of residence wrong the door bell over and over Harraised my neighbors about kwowing me and took pictures of my door with paper with my identity with no envelope, I don't no these people at all until now. Demand payment. This is not right. Im seeking a attorney but had to complaint with better bbb .

  

  Business Response

  Date: 10/01/2025

  Crown Asset Management, LLC (CAM) is in receipt of ******* Rileys BBB complaint, case number ********. As stated in our Consumer Relations Policy, we strive to treat consumers with respect and dignity in all that we do. We are committed to engaging in respectful and constructive dialogue,creating solutions for our consumers that resolve their debt, and ensuring that those who work on our behalf adhere to these same standards.
  
  Our investigation of this matter indicates that ******* Rileys, *******************, WebBank account ending in 1452, was opened on October 20, 2021, charged-off by Pagaya AI Debt Selection Grantor Trust ****** on January 18, 2024, and subsequently purchased by *** on or about February 5, 2024.
  
  CAMs collection vendor, Gurstel Law Firm, P.C.  (Gurstel), sent a Model Validation Notice to Oak View Law Group which represented the consumer on or about May 2, 2025.
  
  After attempts to amicably resolve this matter were unsuccessful, including notifying the consumers representative on June 18, 2025,that ******* was authorized to commence a lawsuit to collect the balance owing on the above-referenced account, a lawsuit was filed on or about September *******. Service of the Summons and Complaint was perfected at ******************************** on September 25, 2025, which is the same address that the consumer listed within the BBB complaint. 
  
  The consumers account is currently placed with Gurstel for servicing, who may be reached directly at ************.

• Initial Complaint

  Date:09/24/2025

  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 have no idea what this is or about now they are trying to garnish wages. Ive never heard of this place and I most definitely dont do buisness this seems like an out of control scam

  

  Business Response

  Date: 09/29/2025

  Crown Asset Management, LLC (CAM) is in receipt of ********* ******* BBB complaint, case number ********. As stated in our Consumer Relations Policy, we strive to treat consumers with respect and dignity in all that we do. We are committed to engaging in respectful and constructive dialogue, creating solutions for our consumers that resolve their debt, and ensuring that those who work on our behalf adhere to these same standards.
  
  Our investigation of this matter indicates that ********* *******, Ultamate Rewards MasterCard, Comenity ************ account ending in 7955, was opened on April 4, 2017, charged-off on October *******, and subsequently purchased by *** on or about November 16, 2022.
  
  Prior to receiving the subject complaint, CAM has not received a request from the consumer requesting documentation to validate the debt. **** collection vendor, ********, ******, ****** and Partners, **** (****), sent notification of the debt to ******************** ****, a *********************** which represented the consumer on or about June 29, 2023.
  
  After attempts to amicably resolve this matter were unsuccessful, a lawsuit was filed on or about September 7, 2023,and service of the Summons and Complaint was perfected at ********************************************** on September 20, 2023, which is the same address that the consumer listed within the BBB complaint.
  
  On February 27, 2024, Judgment was entered in the Country of ********, Syracuse City Court.
  
  On or about August 28, 2025, garnishment proceedings began with a judgment against the consumer in ************* Court with an Index No of CV-******-23/SY via her employer, El *********************
  
  A validation of debt was sent to the consumer on or about September 25, 2025, by CAMs collections vendor, TMMP, and is attached for the consumers convenience.
  
  The consumers account is currently placed with TMMP for servicing, who may be reached directly at ************.

• Initial Complaint

  Date:09/22/2025

  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.

  Crown Asset Management, LLC is attempting to collect on an alleged debt without providing clear proof of ownership or a proper chain of assignment from the original creditor. They filed a case in ******* but still failed to deliver full validation ************ my opinion, this raises serious concerns about their transparency and collection practices. Consumers deserve fair treatment and complete documentation before being pursued through lawsuits or collection activity.

  

  Business Response

  Date: 09/30/2025

  Crown Asset Management (CAM) is in receipt of **** Briceos BBB Complaint Case # *********** stated in our Consumer Relations Policy, we strive to treat consumers with respect and dignity in all that we do. We are committed to engaging in respectful and constructive dialogue, creating solutions for our consumers that resolve their debt, and ensuring that those who work on our behalf adhere to these same standards.
  
  Our investigation of this matter indicates that **** ********************** Victorias Secret account ending in 9731 was opened on October 19, 2019, charged-off on October 31, 2023, and subsequently purchased by CAM on or about February 14, 2024.
  
  Prior to receiving the subject complaint, CAM has not received a request from the consumer requesting documentation to validate the debt. **** collection vendor, ********, ******, ****** and Partners, **** (****), sent verification of the debt to the consumers representation, *********************************,on or about September 23, 2025, which is attached for the consumers convenience.
  
  After numerous attempts to amicably resolve this matter were unsuccessful, a lawsuit was filed on or about July 7, 2025, by **** collection vendor, ****. The consumer was personally served on July 10, 2025.
  
  The consumers account is currently placed with TMMP, who may be contacted at ************.

• Initial Complaint

  Date:09/19/2025

  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.

  Just received a court notice of a lien against me from crown Asset Management. NEVER DID THEY NOTIFY ME THAT THEY HAVE ANY DEBT I OWE. They placed a lien against what??? I own nothing. The judgment doesnt even tell me what this is for or how much. This violates almost every fair credit act on record. I want this corrected immediately.

  

  Business Response

  Date: 09/24/2025

  Crown Asset Management (CAM) is in receipt of ******** ********* BBB Complaint Case # ********. As stated in our Consumer Relations Policy, we strive to treat consumers with respect and dignity in all that we do. We are committed to engaging in respectful and constructive dialogue, creating solutions for our consumers that resolve their debt, and ensuring that those who work on our behalf adhere to these same standards.
  
  Our investigation of this matter indicates that ******** ********* *********************, ************ account ending in 6548 was opened on October 5, 2023, charged-off by *************** on May 5, 2024, and subsequently purchased by CAM on or about May 30,2024.
  
  Prior to receiving the subject complaint, CAM has not received a request for validation. A model validation notice was sent by CAMs Collection Vendor, ******,******** & ****, P.C. (GAT) to the consumers representation, The Debt Management Group, on or about March 19, 2025, and is attached for the consumers convenience.
  
  CAM is not a data furnisher and does not report any information to credit bureaus.Additionally, *** does not have the authority to amend or delete tradelines reported by other companies.
  
  The consumers account is currently placed with GAT for servicing, who may be reached directly at ************.
  

  Customer Answer

  Date: 09/27/2025

   
  Complaint: 23910539
  
  I am rejecting this response because you state ********************************* is my representative, which THEY ARE NOT. Upon not receiving a response from them, I received ABSOLUTELY NO CONTACT from you. You clearly had my contact information since you were able to get court lien documents to me. 
  

  to take me to court and put a lien on me without providing ANY communication violates all of my rights. If this is not resolved per my rights, including cancellation of the lien, I will be retaining legal counsel. My rights have been violated. 
  
  Sincerely,
  
  ******** ********

  

  Business Response

  Date: 10/01/2025

  Attached is a copy of the ************* of Attorney completed by the consumer to appoint The Debt Management Group (DMG) as the consumers full Power of Attorney (POA).This document is dated December 19, 2023. *** nor its collection vendor have received any notification from the consumer or DMG to advise that the relationship between the two has been severed until receipt of this complaint.
  
  Based on the consumers complaint, DMG will be removed as POA for the consumer.
  
  The consumer or their attorney (once retained) may contact CAMs collection vendor,******, ******** & ****, P.C., at ************.

  Customer Answer

  Date: 10/01/2025

   
  Complaint: 23910539
  
  I am rejecting this response because: I was not made aware that there was any outstanding debt for this account, so there was no way for me to tell you. 
  

  DMG was fired by me for exactly this reason - they took exorbitant fees and did not handle my account while I was busy fighting cancer. 
  

  I request that this lien be removed, documentation be sent to my mailing address that will allow me to address this issue and be provided the opportunity to resolve without a lien hanging over my head for something I was unaware existed.
  

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

  

  Business Response

  Date: 10/10/2025

  As stated in our previous response, CAM nor its collection vendors account-level notes,indicate receipt of notification from the consumer or DMG requesting termination of the previously entered into third-party authorization to represent the consumer on this matter.
  
  CAM invites the consumer to contact CAMs collection vendor, ******, ******** & ****,****** ************, to discuss an amicable resolution.

  Customer Answer

  Date: 10/10/2025

   
  Complaint: 23910539
  
  I am rejecting this response because:
  As I stated in MY previous responsehow can I notify someone that I dont know exists of an account status? You did not attempt to contact ME in any manner prior to sending this to the courts. I would request to see IN WRITING AT MY ADDRESS the account information, total owed, full reversal of any court process so that I am afforded the due process that I should be. 
  Sincerely,
  
  ******** ********

• Initial Complaint

  Date:09/17/2025

  Type:Delivery 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.

  Communication from this company has been extremely poor. I received notice of a lawsuit regarding a debt, for which I entered into a two-month settlement payment plan. Despite making the agreed initial payment, I attempted multiple times to contact the company to confirm receipt and to verify that the case had been dismissed. However, I have received no response to date. Given the lack of communication and follow-up, I am concerned that this company may not be acting in good faith and has no genuine intention of resolving this matter.

  

  Business Response

  Date: 09/26/2025

  Crown Asset Management (CAM) is in receipt of Segun Odewumis BBB Complaint Case # ********. As stated in our Consumer Relations Policy, we strive to treat consumers with respect and dignity in all that we do. We are committed to engaging in respectful and constructive dialogue, creating solutions for our consumers that resolve their debt, and ensuring that those who work on our behalf adhere to these same standards.
  
  Our investigation of this matter indicates that **************************** *********************account ending in 1711, was opened on October 2, 2023, charged-off by Loan Asset Issuer ****** on July 1, 2024, and subsequently purchased by *** on or about July 30, 2024.
  
  *** has confirmed with its collection vendor *************************** (******), the consumer was offered a discount payment plan of $1652.42 in two payments.  The first payment of $826.21 was due by 9/22/2025, and payment was received on 9/11/2025.  The final payment of $826.21 is due by 10/15/2025.  Upon the final payment clearing the bank, the suit will be dismissed.
  
  The consumers account is currently placed with ****** for servicing, who may be reached directly at ************.
  

  Customer Answer

  Date: 10/02/2025

   
  Complaint: 23899536
  
  I am rejecting this response for the following reasons:
  I have attempted to contact the company multiple times and have left voicemails to complete the settlement payment, but I have yet to receive any reply. Additionally, the website does not provide an option to make another payment online. Overall, communication with this company has been extremely poor.

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

  

  Business Response

  Date: 10/07/2025

  The consumers account is currently placed with **** collection vendor, *************************** (******), for servicing. A representative of ****** will attempt to contact the consumer. The consumer may also reach ****** at ************.
  

• Initial Complaint

  Date:09/12/2025

  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.

  After trying to reach out to this company to find more information regarding my account, this company asked for my social security number and I have never been able to talk to a real person. This is a social security number scam. This is the website <************************************************************>

  

  Business Response

  Date: 09/19/2025

  Crown Asset Management (CAM) is in receipt of ******* **** BBB Complaint Case # ********. As stated in our Consumer Relations Policy, we strive to treat consumers with respect and dignity in all that we do. We are committed to engaging in respectful and constructive dialogue, creating solutions for our consumers that resolve their debt, and ensuring that those who work on our behalf adhere to these same standards.
  
  Our investigation of this matter indicates that **************************************, ********** Store Card, account ending in 8954 was opened on May 10, 2015, charged-off on January 16, 2018, and subsequently purchased by CAM on or about February 20, 2018.
  
  The consumer left a voicemail message on September 12, 2025, with **** collection vendor, **************** (Gurstel),as this account is currently placed in their office. If the consumer called CAMs telephone number, they were routed via the phone system to **************** as they are the current collection vendor handling this matter on **** behalf. Gurstel returned the consumers call on September 15, 2025; however, the consumer refused to verify the information necessary to further the conversation and allow Gurstel to speak freely about the account.
  
  CAM is not a data furnisher and does not report any information to credit bureaus. Additionally, *** does not have the authority to amend or delete tradelines reported by other companies.
  
  The consumers account is currently placed with Gurstel for servicing, who may be reached directly at ************.