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:06/17/2025

  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 got a letter that says I got an **** U Verse account between 01/07/2025 and today! I never got any **** U Verse account on the date above or any account with **** U Verse!

  Business Response

  Date: 06/17/2025

  Good day,
  
  Thank you for your correspondence submitted through the Better Business Bureau (BBB). We take all consumer complaints seriously and are committed to reviewing them thoroughly and fairly. Please be advised that Sequium Asset Solutions, LLC (Sequium) operates in full compliance with all applicable federal and state regulations. Additionally, Sequium does not own the referenced debt; rather, we are acting as a debt collector on behalf of AT&T U-Verse.
  
  On June 4, 2025, AT&T U-Verse engaged Sequium for the services of attempting to collect the outstanding balance on the following account: 
  
  Customer Name: ****** *******
  Account Number: *****4737
  Current Balance: $155.17
  
  On June 9, 2025, in accordance with the Fair Debt Collection Practices Act (FDCPA), Sequium sent you a Model Validation Notice via mail to the mailing address ****************************************, advising you of your rights as it relates to this debt.
  
  In support of our collection of this debt, please see attached documentation related to this debt. Collection attempts by Sequium will cease,providing you with sufficient time to review the documentation provided. In the meantime, if this addresses your concerns, you may visit ****************************** to explore available payment plan options and make a payment using a debit/credit card or checking account.Please use reference number ******** to log in. You may also feel free to email Sequium at ********************************** or reach out to Sequium at ************ for additional assistance.
  
  Regarding your concerns about your credit report, please note that Sequium has not reported this debt to any of the consumer reporting agencies.
  
  Sequium Asset Solutions, LLC
  KKL

  Customer Answer

  Date: 06/17/2025

   
  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.
  
  Sincerely,
  
  ****** *******

• Initial Complaint

  Date:06/14/2025

  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 or any debt with ******** and I don't have contrat with Sequium asset solution inc.They did not provide me with the original application like I asked.

  Business Response

  Date: 06/17/2025

  Good day,
  
  Thank you for your correspondence submitted through the Better Business
  Bureau (BBB). We take all consumer complaints seriously and are committed to
  reviewing them thoroughly and fairly. Please be advised that Sequium Asset Solutions,
  LLC (“Sequium”) operates in full compliance with all applicable federal and
  state regulations. Additionally, Sequium does not own the referenced debt;
  rather, we are acting as a debt collector on behalf of Comcast.
  
  On November 13, 2024, Comcast engaged Sequium for the services of
  attempting to collect the outstanding balance on the following account: 
  
  Customer Name: Yamiry Villalobos
  Account Number: **********3628
  Current Balance: $219.07
  
  On November 15, 2024, in accordance with the Fair Debt Collection
  Practices Act (“FDCPA”), Sequium sent you a Model Validation Notice via email
  to the email address [email protected] advising you of your rights as it relates to this debt.
  
  In review of your account, this matter was initially reported to the
  consumer reporting agencies on or around January 21, 2025. This reporting was
  done in accordance with Regulation F of the FDCPA which permits reporting no
  less than fourteen days after the debt collector has either spoken with you
  concerning the debt or sent to you the model validation notice via mail or
  electronically. Our records do not show that the November 15, 2024, Model
  Validation Notice returned. Additionally, our records do not reflect receipt of
  any disputes concerning this matter prior to this reporting which would have
  violated the Fair Credit Reporting Act (“FCRA”). In light of this, Sequium’s
  actions were compliant with both the FDCPA, FCRA, and any applicable state
  statutes.
  
  Please be advised that prior to receiving your recent complaint,
  Sequium had not received any request from you to validate the debt.
  Accordingly, we have not violated your rights by not providing a validation of
  the debt, as no such request had been made previously.
  
  In support of our collection of this debt, please see attached
  documentation related to this debt. Collection attempts by Sequium will cease,
  providing you with sufficient time to review the documentation provided. In the
  meantime, if this addresses your concerns, you may visit pay.sequium.com to explore available payment
  plan options and make a payment using a debit/credit card or checking account.
  Please use reference number 61851570 to log in. You may also feel free to email
  Sequium at [email protected] or
  reach out to Sequium at 877-362-8766 for additional assistance.
  
  Sequium Asset
  Solutions, LLC
  KKL

• Initial Complaint

  Date:06/12/2025

  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.

  Today I have been notified by ******* credit reporting that Sequium has placed a Fraudulent Debt on my credit report. Defamation of Character! It is concerning ** 20 Apartments located in *********** ********This is Fraud! Its Fraud because I don't owe the debt. This is a contract in Dispute. I was fraudulently tricked into signing something with ** 20 Apartments. Its was Fraud! Upon reading their contract I discovered that their contract is also Fraud.These Scum of the earth debt collectors they fraudulent put things like this on peoples credit report as a means of extortion.Untill a judge issues a judgement declaring that there is a debt owed, untill that happens there is No debt. No Debt exist. Scumbag debt collectors such as Sequium they know this but they put fraudulent debts on peoples credit report as a means of extorting them. They do this on purpose because they know that the average man or woman does not know these concepts. In order for a debt to exist there has to be a judgement signed by a judge declaring that something is owed. Thats the Law!Sequium has broke the law and fraudulently falsely reported a Fake debt on my credit report. That law is 15USC 1611. This is how most scum debt collectors treat people but the average individual is ignorant of the law therefore nothing is done.I have informed Sequium of these facts but they are committing fraud anyway. They are violating my constitutional rights and my civil rights. At this point I aim to sue ** 20 Apartments and Sequium collections and the credit bureau's as co-conspiritors.Anyone that reads this should *** Sequium if they are having similar problems.Sequium and ** 20 Apartments located in *********** Fl are both fraudulent and corrupt businesses. ** 20 Apartments contracts are even fraud!this is what they do to people that dont have an understanding

  Business Response

  Date: 06/16/2025

  Good day,
  
  Thank you for your correspondence submitted through the Better Business Bureau (BBB). We take all consumer complaints seriously and are committed to reviewing them thoroughly and fairly. Please be advised that Sequium Asset Solutions, LLC (Sequium) operates in full compliance with all applicable federal and state regulations. Additionally, Sequium does not own the referenced debt; rather, we are acting as a debt collector on behalf of On20.
  
  On March 15, 2025, On20 engaged Sequium for the services of attempting to collect the outstanding balance on the following account: 
  
  Customer Name: ***** *******
  Account Number: ****7724
  Current Balance: $5,099.90
  
  On March 17, 2025, in accordance with the Fair Debt Collection Practices Act (*****), Sequium sent you a Model Validation Notice via mail to the mailing address ***************************************************, advising you of your rights as it relates to this debt.
  
  In review of your account, this matter was initially reported to the consumer reporting agencies on or around June 10, 2025. This reporting was done in accordance with Regulation F of the ***** which permits reporting no less than fourteen days after the debt collector has either spoken with you concerning the debt or sent to you the model validation notice via mail or electronically. Our records do not show that the March 17, 2025, Model Validation Notice returned. Additionally, our records do not reflect receipt of any disputes concerning this matter prior to this reporting which would have violated the Fair Credit Reporting Act (FCRA). In light of this, Sequiums actions were compliant with both the *****, ****, and any applicable state statutes.
  
  We can assure you that Sequium is a legitimate company, duly registered in the State of Florida as a licensed debt collector. Our registration number is CCA9903906.
  
  Our records indicate that we spoke with you by telephone in March. As requested, on April 19, 2025, validation of the debt was mailed to the address:****************************************************
  Despite providing validation of the account, it continues to be disputed. As a result, Sequium has closed the account in our office, deleted the associated tradeline from your credit report, and returned the account to On20. Please note that Sequium does not control the timing of when the credit bureaus process or reflect the deletion of this information on your credit report. You will receive no further contact from Sequium regarding this matter.
  
  If you should have any further questions or need additional assistance, please contact On20 directly.
  
  Sequium Asset Solutions, LLC
  KKL

• Initial Complaint

  Date:06/12/2025

  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 writing to dispute an account reported by Sequiium Asset Solutions, LLC that appears on my credit report. I have never opened, applied for, or authorized any account or financial relationship with this company. I have no knowledge of this debt, and I have never been contacted with any proper verification or documentation. Therefore, I am formally requesting that this account be investigated and permanently removed from my credit file as inaccurate and unverified information.Under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. 1692g, I have the right to request validation of any alleged debt. You are required by law to provide me with proof of the original creditor, a breakdown of the amount claimed, and documentation that proves I am legally obligated to pay this debt. As of today, I have not received any such evidence. Until you can provide proper verification, all collection efforts must ******* addition, if this account is being reported to any credit bureau, the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681, requires that any reported information must be complete, accurate, and verifiable. If the account cannot be verified, it must be removed from all credit reporting systems. Continuing to report unverifiable or incorrect information violates my rights under federal law and may result in regulatory or legal action.If this debt was created as a result of identity theft or mistaken identity, I will take further action, including filing a complaint with the *** and placing a fraud alert. I demand that this account be deleted from my credit report and that I receive written confirmation of the deletion.

  Business Response

  Date: 06/17/2025

  Good day,
  
  Thank you for your correspondence submitted through the Better Business
  Bureau (BBB). We take all consumer complaints seriously and are committed to
  reviewing them thoroughly and fairly. Please be advised that Sequium Asset
  Solutions, LLC (“Sequium”) operates in full compliance with all applicable
  federal and state regulations. Additionally, Sequium does not own the
  referenced debt; rather, we are acting as a debt collector on behalf of American
  InterContinental University.
  
  On February 21, 2025, American InterContinental University. engaged
  Sequium for the services of attempting to collect the outstanding balance on
  the following account: 
  
  Customer Name: Abdirihman Ahmed
  Account Number: ****7114
  Current Balance: $5,850.00
  
  On February 22, 2025, in accordance with the Fair Debt Collection
  Practices Act (“FDCPA”), Sequium sent you a Model Validation Notice via email
  to the email address [email protected] advising you of your rights as it relates to this debt.
  
  In review of your account, this matter was initially reported to the
  consumer reporting agencies on or around April 15, 2025. This reporting was
  done in accordance with Regulation F of the FDCPA which permits reporting no
  less than fourteen days after the debt collector has either spoken with you
  concerning the debt or sent to you the model validation notice via mail or
  electronically. Our records do not show that the February 21, 2025, Model
  Validation Notice returned. Additionally, our records do not reflect receipt of
  any disputes concerning this matter prior to this reporting which would have
  violated the Fair Credit Reporting Act (“FCRA”). In light of this, Sequium’s
  actions were compliant with both the FDCPA, FCRA, and any applicable state
  statutes.
  
  Please be advised that prior to receiving your recent complaint,
  Sequium had not received any request from you to validate the debt.
  Accordingly, we have not violated your rights by not providing a validation of
  the debt, as no such request had been made previously.
  
  In support of our collection of this debt, please see attached
  documentation related to this debt. Collection attempts by Sequium will cease,
  providing you with sufficient time to review the documentation provided. In the
  meantime, if this addresses your concerns, you may visit pay.sequium.com to explore available payment
  plan options and make a payment using a debit/credit card or checking account.
  Please use reference number 63707493 to log in. You may also feel free to email
  Sequium at [email protected] or
  reach out to Sequium at 877-362-8766 for additional assistance.
  
  Sequium Asset
  Solutions, LLC
  KKL

  Customer Answer

  Date: 06/22/2025

   
  Complaint: 23459251
  
  Dear BBB Representative,
  Thank you for forwarding the response from Sequium Asset Solutions, LLC regarding complaint ID ********.
  I have reviewed their response and would like to state that I do not find it satisfactory. Specifically:
  I never received any Model Validation Notice via email, as they claim. I have checked my inbox and spam folders and found no such communication dated February 22, 2025.
  I dispute the validity of the alleged debt. I do not acknowledge owing the amount claimed and request that Sequium provide full validation, including a detailed breakdown of the charges, the original signed agreement (if applicable), and a statement of account from *************************************
  Reporting this debt to credit bureaus without confirmation of receipt of the validation notice or acknowledgment of the debt on my part seems premature and harmful to my credit report. I believe this could violate consumer protection standards under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA).
  I formally request that:
  Collection efforts cease until full and proper validation of the debt is provided to me directly.
  Sequium removes any negative credit reporting related to this account until the dispute is resolved.
  I be contacted only in writing and not by phone.
  I would appreciate BBBs continued assistance in this matter and look forward to a fair resolution.
  Sincerely,
  Abdirihman *****

  Business Response

  Date: 06/24/2025

  Good day,
  
  Sequium Asset Solutions, LLC acknowledges receipt of your rejection of our prior response to your Better Business Bureau (BBB) complaint.
  
  As stated in our initial response, Sequium is not the owner of the debt in question. We are a debt collection agency working on behalf of *************************************
  
  On February 22, 2025, the Model Validation Notice was sent to the email address ********************  Our internal systems confirm successful delivery of the email, although there is no indication that it was opened.Additionally, on February 28, 2025, due to the lack of confirmation that the email was opened, a hard copy of the Model Validation Notice was mailed to your address at ******************************************. For your convenience, we have enclosed a copy of the Model Validation Notice emailed to you on February 22, 2025.
  
  In response to your original Better Business Bureau (BBB) complaint (complaint ID *********, we provided a signed enrollment agreement along with a summary of charges owed. These documents constitute full validation of the debt under applicable laws.
  
  Regarding the reporting of the debt, the tradeline was reported to the consumer reporting agencies on or around April 15, 2025. This reporting was completed in accordance with Regulation F of the Fair Debt Collection Practices Act (FDCPA), which permits credit reporting no sooner than ******************************************************************************************************** electronic communication. Our records do not indicate that the February 22, 2025, email was returned undeliverable, nor that the February 28, 2025,mailing was returned. Additionally, we have no record of any dispute being received prior to the credit reporting that would have triggered an obligation under the Fair Credit Reporting Act (FCRA) to delay such reporting.
  
  In light of the above, Sequium maintains that its actions were in full compliance with the ****** FCRA, and all applicable state laws.
  
  Lastly, in response to your request that all communications be conducted in writing, please be advised that we will honor your cease-and-desist request regarding verbal contact. All future communications will be made in writing only.
  
  Should you require further assistance, feel free to contact Sequium via email at ********************************** or by phone at ************.

• Initial Complaint

  Date:06/11/2025

  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 *** with Sequium Asset Solutions, I do not have a contract with Sequium Asset Solutions, they did not provide me with the original contract as I requested.

  Business Response

  Date: 06/16/2025

  Good day,
  
  Thank you for your correspondence submitted through the Better Business
  Bureau (BBB). We take all consumer complaints seriously and are committed to
  reviewing them thoroughly and fairly. Please be advised that Sequium Asset
  Solutions, LLC (“Sequium”) operates in full compliance with all applicable
  federal and state regulations. Additionally, Sequium does not own the
  referenced debt; rather, we are acting as a debt collector on behalf of Comcast.
  
  On April 7, 2025, Comcast engaged Sequium for the services of
  attempting to collect the outstanding balance on the following account: 
  
  Customer Name: Thavy Yuon
  Account Number: ************8724
  Current Balance: $121.41
  
  On April 8, 2025, in accordance with the Fair Debt Collection Practices
  Act (“FDCPA”), Sequium sent you a Model Validation Notice via email to the
  email address [email protected] advising you
  of your rights as it relates to this debt.
  
  In review of your account, this matter was initially reported to the
  consumer reporting agencies on or around June 10, 2025. This reporting was done
  in accordance with Regulation F of the FDCPA which permits reporting no less
  than fourteen days after the debt collector has either spoken with you
  concerning the debt or sent to you the model validation notice via mail or
  electronically. Our records do not show that the April 8, 2025, Model
  Validation Notice returned. Additionally, our records do not reflect receipt of
  any disputes concerning this matter prior to this reporting which would have
  violated the Fair Credit Reporting Act (“FCRA”). In light of this, Sequium’s
  actions were compliant with both the FDCPA, FCRA, and any applicable state
  statutes.
  
  Please be advised that prior to receiving your recent complaint,
  Sequium had not received any request from you to validate the debt.
  Accordingly, we have not violated your rights by not providing a validation of
  the debt, as no such request had been made previously.
  
  In support of our collection of this debt, please see attached
  documentation related to this debt. Collection attempts by Sequium will cease,
  providing you with sufficient time to review the documentation provided. In the
  meantime, if this addresses your concerns, you may visit pay.sequium.com to explore available payment
  plan options and make a payment using a debit/credit card or checking account.
  Please use reference number 64938479 to log in. You may also feel free to email
  Sequium at [email protected] or
  reach out to Sequium at 877-362-8766 for additional assistance.
  
  Sequium Asset
  Solutions, LLC
  KKL

  Customer Answer

  Date: 06/16/2025

   
  Complaint: 23457364
  
  I am rejecting this response because:

  Thank you for the opportunity to respond. I remain unsatisfied with the businesss rebuttal. My primary concern is that I never signed any agreement or contract authorizing the services in question. Without a signed agreement, I do not believe the business had the right to proceed or to hold me responsible for any charges or obligations. I respectfully request that this matter be reviewed with this in mind.
  
  Sincerely,
  
  ***** ****

  Business Response

  Date: 06/17/2025

  Good day,
  
  Sequium Asset Solutions, LLC acknowledges receipt of your rejection of our response to your Better Business Bureau (BBB) complaint.

  As stated in our original response,on April 7, 2025, ******* engaged Sequium for the services of attempting to collect the outstanding balance. Sequium has neither purchased the debt in question nor received it through a transfer of ownership. As such,documentation relevant to those procedures, such as the signed contract, does not apply in this case. Sequium is a debt collector acting on behalf of ******* in an effort to recover the outstanding balance.
  Since the account continues to be disputed, Sequium has closed your account in our office, which subsequently deleted the tradeline from your credit report, and returned it to *******.  Please note that Sequium does not control the timing of when the credit bureaus process or reflect the deletion of this information on your credit report.
  
  There will be no further contact from Sequium regarding this account.
  
  If you should have any further questions or need additional assistance, please contact ******* directly.
  
  Sequium Asset Solutions, LLC
  KKL

• Initial Complaint

  Date:06/11/2025

  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.

  This was a ******* bill in which ******* told us that we were paid in full when we left their service. Apparently, they sent us anotherbill which we did not get and they turned it over to this company. This company has harassed us, although the bill was paid in full Back in April. We want this amount to be put on our credit report that it has been paid.

  Business Response

  Date: 06/16/2025

  Good day,
  
  Thank you for your correspondence submitted through the Better Business Bureau (BBB). We take all consumer complaints seriously and are committed to reviewing them thoroughly and fairly. Please be advised that Sequium Asset Solutions, LLC (Sequium) operates in full compliance with all applicable federal and state regulations. Additionally, Sequium does not own the referenced debt; rather, we are acting as a debt collector on behalf of *****************
  
  On April 10, 2025, ******* Wireless engaged Sequium for the services of attempting to collect the outstanding balance on the following account: 
  
  Customer Name: ******* C *****
  Account Number: ***************
  Current Balance: $100.41
  
  On April 13, 2025, in accordance with the Fair Debt Collection Practices Act (FDCPA), Sequium sent you a Model Validation Notice via email to the email address ********************** advising you of your rights as it relates to this debt.
  
  A review of your account indicates that we previously contacted you regarding the outstanding balance. During our communication, you stated that you would review the matter directly with ****************. Subsequently, you made a promise to pay $100.41, which was not fulfilled. As the balance remained unpaid, we continued our collection efforts. You later informed us that the balance had been paid and provided a proof of payment document along with your complaint.
  
  Your account has been placed in a dispute status, and your concern has been escalated to ******* Wireless for further review. Once we receive additional information from them, unless you request otherwise, we will be in contact to provide you with an update.
  
  Concerning the reporting of this debt to the consumer reporting agencies, Sequium Asset Solutions, LLC does not report to any of the consumer reporting agencies on behalf of ****************. Please contact *******s recovery department at ************** if you have any questions regarding their credit reporting practices.
  
  Sequium Asset Solutions, LLC
  KKL

• Initial Complaint

  Date:06/11/2025

  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.

  A debt collection agency contacted me on behalf of *************** regarding a disputed debt I do not owe. I have not received a written validation of the debt, and I do not have any agreement with this collection agency. I also did not give ******* permission to share or sell my personal information for third-party collections.This is a clear violation of the Fair Debt Collection Practices Act (FDCPA), including:15 U.S.C. 1692g No written validation of the debt was provided.15 U.S.C. 1692c Unlawful contact without permission or prior communication.15 U.S.C. 1692e Misrepresentation of the debt.I have sent a cease and desist to Xfinity and am waiting for an itemized final bill. Until then, this collection agency is acting unlawfully and Sequium should consider this the same. Cease all calls and communications with ***** not report this account to any credit reporting agencies or face legal action as I am a protected consumer under the **** and FDCPA> Remove all of my personal data from their records.Failure to comply may result in legal action under the ******

  Business Response

  Date: 06/16/2025

  Good day,
  
  Thank you for your correspondence submitted through the Better Business Bureau (BBB). We take all consumer complaints seriously and are committed to reviewing them thoroughly and fairly. Please be advised that Sequium Asset Solutions,LLC (Sequium) operates in full compliance with all applicable federal and state regulations. Additionally, Sequium does not own the referenced debt;rather, we are acting as a debt collector on behalf of ********
  
  On June 10, 2025, ******* engaged Sequium for the services of attempting to collect the outstanding balance on the following account: 
  
  Customer Name: ******** ******
  Account Number: ************7466
  Current Balance: $198.62
  
  On June 11, 2025, in accordance with the Fair Debt Collection Practices Act (FDCPA), Sequium sent you a Model Validation Notice via email to the email address ****************************** advising you of your rights as it relates to this debt.
  
  Please be advised that prior to receiving your recent complaint,Sequium had not received any request from you to validate the debt.Accordingly, we have not violated your rights by not providing a validation of the debt, as no such request had been made previously. Per your request, please see attached documentation related to this debt.
  
  Following your complaint and request for all communications to cease and desist, please be advised that Sequium has closed your account in our office. As a result, the account has been returned to *******. You will receive no further contact from Sequium regarding this matter.
  
  If you should have any further questions or need additional assistance,please contact ******* directly.
  
  Regarding your concerns about your credit report, please note that Sequium has not reported this debt to any of the consumer reporting agencies.
  
  Sequium Asset Solutions, LLC
  KKL

• Initial Complaint

  Date:06/09/2025

  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 *******. I do not have a contract with SEQUIUM ASSET SOLUTIONS LLC. They did not provide me with the original contract as requested.

  Business Response

  Date: 06/11/2025

  Good day,
  
  Thank you for your correspondence submitted through the Better Business Bureau (BBB). We take all consumer complaints seriously and are committed to reviewing them thoroughly and fairly. Please be advised that Sequium Asset Solutions, LLC (Sequium) operates in full compliance with all applicable federal and state regulations. Additionally, Sequium does not own the referenced debt; rather, we are acting as a debt collector on behalf of ********
  
  On April 2, 2025, ******* engaged Sequium for the services of attempting to collect the outstanding balance on the following account: 
  
  Customer Name: ***** *******
  Account Number: *************8887
  Current Balance: $347.77
  
  On April 3, 2025, in accordance with the Fair Debt Collection Practices Act (*****), Sequium sent you a Model Validation Notice via email to the email address *********************** advising you of your rights as it relates to this debt.
  
  In review of your account, this matter was initially reported to the consumer reporting agencies on or around June 3, 2025. This reporting was done in accordance with Regulation F of the ***** which permits reporting no less than fourteen days after the debt collector has either spoken with you concerning the debt or sent to you the model validation notice via mail or electronically. Our records do not show that the April 3, 2025, Model Validation Notice returned. Additionally, our records do not reflect receipt of any disputes concerning this matter prior to this reporting which would have violated the Fair Credit Reporting Act (FCRA). In light of this, Sequiums actions were compliant with both the *****, ****, and any applicable state statutes.
  
  Please be advised that prior to receiving your recent complaint,Sequium had not received any request from you to validate the debt.Accordingly, we have not violated your rights by not providing a validation of the debt, as no such request had been made previously.
  
  In support of our collection of this debt, please see attached documentation related to this debt. Collection attempts by Sequium will cease,providing you with sufficient time to review the documentation provided. In the meantime, if this addresses your concerns, you may visit ****************************** to explore available payment plan options and make a payment using a debit/credit card or checking account.Please use reference number ******** to log in. You may also feel free to email Sequium at ********************************** or reach out to Sequium at ************ for additional assistance.
  
  Sequium Asset Solutions, LLC
  KKL

• Initial Complaint

  Date:06/06/2025

  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 don't know why or what I owe them. I just opened my spectrum account a few months ago and I still currently have. I've never received anything from these people no letters in mail or phone calls. But their on my credit report.

  Business Response

  Date: 06/09/2025

  Good day,
  
  Thank you for your correspondence submitted through the Better Business Bureau (BBB). We take all consumer complaints seriously and are committed to reviewing them thoroughly and fairly. Please be advised that Sequium Asset Solutions, LLC (Sequium) operates in full compliance with all applicable federal and state regulations. Additionally, Sequium does not own the referenced debt; rather, we are acting as a debt collector on behalf of AT&T Mobility.
  
  On December 22, 2024, AT&T Mobility engaged Sequium for the services of attempting to collect the outstanding balance on the following account: 
  
  Customer Name: ******* *****
  Account Number: ********0154
  Current Balance: $1,198.55
  
  On December 24, 2024, in accordance with the Fair Debt Collection Practices Act (*****), Sequium sent you a Model Validation Notice via email to the email address ******************** advising you of your rights as it relates to this debt.
  
  In review of your account, this matter was initially reported to the consumer reporting agencies on or around February 11, 2025. This reporting was done in accordance with Regulation F of the ***** which permits reporting no less than fourteen days after the debt collector has either spoken with you concerning the debt or sent to you the model validation notice via mail or electronically. Our records do not show that the December 22, 2024, Model Validation Notice returned. Additionally, our records do not reflect receipt of any disputes concerning this matter prior to this reporting which would have violated the Fair Credit Reporting Act (FCRA). In light of this, Sequiums actions were compliant with both the *****, ****, and any applicable state statutes.
  
  Enclosed with this response, please see attached documentation related to this debt. Collection attempts by Sequium will cease, providing you with sufficient time to review the documentation provided. In the meantime, if this addresses your concerns, you may visit ****************************** to explore available payment plan options and make a payment using a debit/credit card or checking account. Please use reference number ******** to log in. You may also feel free to email Sequium at ********************************** or reach out to Sequium at ************ for additional assistance.
  
  Sequium Asset Solutions, LLC
  KKL

• Initial Complaint

  Date:06/05/2025

  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.

  On June 4, 2024, I was contacted by Sequium Asset Solutions about a $37.74 debt they claim I owe for an ************** account. I immediately contacted ******* and spoke with multiple representatives who confirmed:I do not owe any balance Sequium is not part of their debt collection process I have recordings confirming this. Sequium continued to contact me and also stated falsely that they could either validate or dispute the debt, but not both, which is a misrepresentation of consumer rights under the Fair Debt Collection Practices Act.This has caused disruption to both my work and school Im a full-time student and full-time worker. Ive already filed complaints with the ************************************ and the Michigan Attorney General. I am requesting that BBB help resolve this.

  Business Response

  Date: 06/09/2025

  Good day,
  
  Thank you for your correspondence submitted through the Better Business Bureau (BBB). We take all consumer complaints seriously and are committed to reviewing them thoroughly and fairly. Please be advised that Sequium Asset Solutions, LLC (Sequium) operates in full compliance with all applicable federal and state regulations. Additionally, Sequium does not own the referenced debt; rather, we are acting as a debt collector on behalf of **************.
  
  On June 3, 2025, ************** engaged Sequium for the services of attempting to collect the outstanding balance on the following account: 
  
  Customer Name: **** *******
  Account Number: ******5001
  Current Balance: $0.00
  
  On June 5, 2025, in accordance with the Fair Debt Collection Practices Act (FDCPA), Sequium sent you a Model Validation Notice via email to the email address ********************* advising you of your rights as it relates to this debt.
  
  Our records indicate that you contacted us on June 5, 2025, to dispute the referenced debt. At that time, the information provided to you was based on our internal processes and should not have impacted your right to subsequently request validation of the debt.
  
  Additionally on June 5, 2025, Sequium received an account adjustment in the amount of $37.74 from **************, which effectively brought the account balance to zero. We would also like to confirm that Sequium has not reported this account to any of the consumer reporting agencies.
  
  There will be no further contact from Sequium regarding this account.If you should have any further questions or need additional assistance, please contact ************** directly.
  
  Sequium Asset Solutions, LLC
  KKL

  Customer Answer

  Date: 06/09/2025

  Complaint: 23431638
  I am rejecting this response because it contains multiple inaccuracies and misrepresentations.
  
  I disputed the debt on June 4, not June 5 as they claimed. I also called back at the end of the business day on June 5, and their representative still told me I owed $37.74, even though they now claim the balance had already been brought to $0.
  
  They also claim they sent a notice about my rights on June 5, but I never received it. I checked all folders inbox, spam, and trash and nothing was sent.
  
  Their agent falsely told me I could not dispute and request validation at the same time, which violates my rights under the ***** and blocked me from resolving the issue fairly.
  
  Additionally, I spoke directly with *************** who confirmed I owe nothing and stated that they do not use Sequium Asset Solutions for debt collection. That means Sequiums involvement and their claim to be collecting on behalf of ******* is not only inaccurate but entirely misleading.
  
  This caused unnecessary stress, wasted time, and put my credit at risk over a debt I never owed.
  
  Sincerely,
  **** *******
  
  

  Business Response

  Date: 06/11/2025

  Good day,
  
  Sequium Asset Solutions, LLC acknowledges receipt of your rejection of our response to your Better Business Bureau (BBB) complaint.
  
  You are correct that you initially contacted our office on June ******, to dispute the debt, and followed up with an additional call on June ******. Your account was placed in a dispute status as of June 4, 2025.
  
  During your follow-up call on June 5, 2025, you requested debt validation. At that time, because your account was already in dispute status,the agent referenced an internal process related to updating the account status. We acknowledge that this internal procedure should not have been shared with you, and we apologize for any confusion caused. The mention of the internal procedure however did not block your rights to dispute the account as the account was already in a dispute status.
  
  Your account was placed with our office by ******* Mobile for collection of a balance of $37.74. We had no prior knowledge that the balance had been reduced to zero. Once we received formal notification from *************** the balance on your account was updated accordingly in our system.
  
  Our records also indicate that the Model Validation Notice was emailed to you at ********************* and was opened on June 5, 2025. This is the notice advising you of your rights as it related to the debt.
  
  As noted in our original response, the debt was not reported to any consumer reporting agencies; therefore, there was no impact or risk to your credit.
  
  Sequium Asset Solutions, LLC
  KKL

  Customer Answer

  Date: 06/11/2025

  Complaint: 23431638
  I am rejecting this response because:
  
  Sequium is only addressing this because of the multiple complaints I filed not because they followed proper procedures. ******* Mobile agents confirmed on multiple calls (which I recorded) that I never owed anything. They said Sequium is not even a debt collection agency they work with for mobile services. There was never a legitimate debt.
  
  On June 4, 2025, I contacted Sequium and disputed the debt. On June 5, I followed up and was told I could not dispute and request validation at the same time which violated my rights under the Fair Debt Collection Practices Act. I was never sent a proper validation of this debt. Their claim that they sent a Model Validation Notice on June 5 and that I opened it is false no such email exists in my inbox, spam, junk, or trash.
  
  I also contacted Xfinity again at the end of the business day on June 5. Multiple agents told me the balance was $0 and confirmed again that I never owed anything. This was after Sequium says they received notice and updated the balance, which proves they continued to communicate false information even after the debt was supposedly resolved.
  
  This was never a real debt, and the harassment, miscommunication, and refusal to validate shows their process is deeply flawed. They caused me significant stress while I was in pharmacy school and working full time. If I hadnt stood up for myself, they wouldve continued to chase me for a $37 debt that never existed. That should never happen to anyone.
  
  This needs to remain public so others dont fall victim to the same tactics. I am rejecting their response completely.
  
  Sincerely,
  **** *******