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Complaint Details
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Initial Complaint
08/27/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I dont who these people is constantly calling my phone! Ever since **** and MetLife had data breach I been random calls leaving voicemail different people! I wish these calls to stop harassing me and causing my voicemail to be full!Business response
08/30/2024
August 28, 2024
Better Business Bureau of ******* & *****************
***********************************
***********************
RE: Complaint ID ********
Dear *** or Madam,
This is in response to complaint number ******** filed with your office by ******************************* (complainant).
We understand that the complainant is disputing this matter. Our client, MetLife Disability Offset,retained our services for the recovery of a claim in the amount of $8,850.00 against *******************************. The balance was placed with our office 8/19/24.
I have attached a copy of the original invoice dated 8/19/24. Our first call was made 8/20/24. There was no answer and no message left. Our second attempt was made 8/27/24. Our agent left a voicemail message requesting a return call.
We sincerely hope that you find our response satisfactory. Should you have any questions, please do not hesitate to contact us. Represenative Contact information: *************************** at ************************.
Sincerely,
*************************
Licensing and Compliance Specialist
Email: ****************************************Initial Complaint
08/02/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
I have been contacted by Brown & Joseph LLC to collect a debt I allegedly owe to MetLife Pet for $432.95. This insurance was cancelled on 03/26/2023 and this collection letter states I owe for service provided through January 25, 2023. I spoke with MetLife regarding this matter and they ensured me they do not use debt collectors.Business response
08/16/2024
August 15, 2024
Better Business Bureau of Chicago &Northern Illinois, Inc
Attn: Customer Relations Representative
******************************
*******, *******; 60601
RE: ID# ********
Dear *** or Madam:
This is in response to *************************. On July 12, 2024, our client,MetLife Pet, placed a claim for recovery with our firm, in the amount of $432.95 against ***********************. From the complaint, we understand that the complainant is requesting no further communications from our firm, as he seems to dispute the amount is not owed.
We received a cease and desist letter dated 8/5/2024. In light of this, we immediately closed the file and referred the matter back to our client with the appropriate notation. Please accept this letter as confirmation that our firm has closed this case and that there will be no further contact with ******************.
We sincerely hope that you find our response satisfactory. Should you have any questions, please do not hesitate to contact me.
Sincerely,
*************************
Licensing & Compliance Specialist
Email: ****************************Customer response
08/19/2024
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
07/31/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I have received an outstanding amount of mail correspondence from this company claiming I owe over $7,000 in an accident that was deemed not my fault, my insurance was given to the other party via police officer, I already received my payment from the insurance company that they are claiming I owe now due to lack of insurance. My insurance is also going after them for at least half of my damages. The insurance company has assured me they do not have ties with this company and I am speaking with a lawyer for harassment and fraud.Business response
08/12/2024
August 12, 2024
Better Business Bureau of ******* & *****************
***********************************
***********************
RE: Complaint ID ********
Dear *** or Madam,
This is in response to complaint number ******** filed with your office by *********************** (complainant).
Our client, ****************** retained our services for the recovery of a claim in the amount of $7,796.84 against ***********************. This claim resulted from an automobile accident involving one of their insured and the car owned by complainant. Our clients records show that the date of the loss that gave rise to the claim was June 11, 2024. The loss occurred at ****************************************************. Our client subrogated the right to recover damages incurred by their insured in the amount referenced above.
We understand that complainant believes she was not at fault for this accident and that her vehicle was insured at the time of loss by ************************. ; However, it is our understanding that ************************ only accepted 50% liability, which has not been paid yet. In order to resolve this matter, we kindly ask complainant to contact our office at Rep ******* info: ****************************;********************************************************** ************.
We sincerely hope that you find our response satisfactory. Should you have any questions, please do not hesitate to contact us.
Sincerely,
*************************
Licensing and Compliance Specialist
Email: ****************************************Initial Complaint
07/22/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
This company has sent a letter which arrived today and states that I had until last week to comply with the letter in order to save money. So it arrived after the supposedly time sensitive window it purports to have. Secondly it's saying driver license will be suspended if I don't pay +/- $400. Nothing here about disputing the debt, or verification thereof. Additionally the number provided to call ************** rings to a fax machine so no luck there. And calling the "local" number ************ puts you on hold for a minute then tells you there is no one available to take your call. Account number given is ******* but doesn't show up on website as a legit account. I suspect this business is either a scam, or so inept they don't know right from left. I am not paying anything until I speak directly to someone working here. And if my license is suspended, I will counter *** for violation of fair collection practices where I will seek compensation and punitive compensation.Business response
08/16/2024
My apologies for being late to file response.Best regards,**************************************************
Licensing/Compliance Specialist
Office: **************
Email: ****************************************Initial Complaint
07/10/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
Brown & Joseph sent a letter attempting to collect a payment for an account with Global Pay which was closed in mid-April 2024. When closing the account over the phone with the Global Pay representative, I was told to pay a fee of $323.82, which I did on May 1, 2024.Since then I received no further communication until June 25, 2024 when I received a letter from Brown & Joseph that I still owed Global Pay $656.25. Since then, my requests for invoices regarding this unexplained charge, Brown & Joseph has failed to provide any documentation.Business response
07/26/2024
July 19, 2024
Better Business Bureau of ******* & Northern Illinois, Inc
Attn: Customer Relations Representative
***********************************;
*******, *******; 60601
RE: ID# ********
Dear Sir or Madam:
This is in response to ************************* complaint. On June 20, 2024, our client, GLOBAL PAY f/k/a EVO PAYMENTS INTERNATIONAL, placed a claim for recovery with our firm, in the amount of $656.25 against ***** Investment Inc. From the complaint, we understand that the complainant is requesting a billing adjustment.
In light of this complaint, we have closed the file and referred the matter back to our client with the appropriate notation. Please accept this letter as confirmation that our firm has closed this case and that there will be no further contact with Mr. ************************** sincerely hope that you find our response satisfactory.Should you have any questions, please do not hesitate to contact me.
Sincerely,
***********************;
Licensing and Compliance SpecialistInitial Complaint
07/09/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
They made unauthorized transactions from my chase - bank account to their account for the sum of $ 6287Business response
07/26/2024
July 26, 2024
Better Business Bureau of ******* & Northern Illinois, Inc
Attn: Customer Relations Representative
*************************************************
*****************
RE: ID# ********
Dear Sir or Madam:
21963836
IRWC4XXX19. ******************* was the listed contact for this account.
After communicating with ************, our staff explained that the outstanding balance was in connection with an estimated final audit on the workers compensation policy. Irad Construction cooperated with our clients request for additional information, at which point, the balance of the account was adjusted from $7,323.54 to $5,357.54.
Following this adjustment, complainant set up a payment plan for this account consisting of three payments; the first payment in the amount of $1,787.54 was processed on July 1, 2024; two additional payments in the amount of $1,785.00 were supposed to be processed to pay the balance owed in full.
Unfortunately, it appears that an error occurred when processing the next payment, and two payments in the amount of $3,500 and $1,071 respectively were mistakenly processed. Although these two payments totaling $4,571.00 were processed, our agency did not receive the funds, and they were rejected by the bank. Out of an abundance of caution, our accounting department refunded the first payment which had been processed on July 1 in the amount of $1,787.54.
Currently, the full balance of $5,357.54 is owed, as the first payment was refunded, and the second and third payments were never received by our agency.
We sincerely apologize to complainant for this misunderstanding and ask him to kindly contact our office to resolve the outstanding balance.
Should you have any questions, please do not hesitate to contact me.
Sincerely,
*********************************
Chief Compliance Officer
Email: ********************************Initial Complaint
06/03/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
Brown & Joseph attempts to collect on a debt without providing verification of the alleged debt owed. We dissolved our business two years ago and timely cancelled our insurance policy. Now, Brown & Joseph continue to call and email requesting payment for "underpayment on our insurance policy." The amount they claim owed is "estimated" and they have not provided verification of their allegations that would indicate a legally enforceable debt. Further, their notice fails to comply with their legal obligations to inform consumers of their rights in disputing the amount owed, or inform of how to request verification of debt owed. Additionally, Brown & Joseph fails continues to call and email regarding the alleged amount owed, without providing verification of the alleged debt, after we requested verification. The law requires that debt collectors cease communication until providing requested verification of debt owed. Brown & Josephs continued harassment and threats of legal action violate their duty to provide adequate notice and verification of debt. I request that the BBB contact ******************************* to inform them of their non-compliance with the law, and take action for their failure to adhere to federal and state requirements for debt collections.Business response
06/04/2024
We are in receipt of this complaint. Unfortunately we are unable to locate an account with the information provided. We kindly ask **************** to provide us with a case number which would be included in the collection letter or the name of her business.
Thank you for your assistance.
*************************
*************************************
Customer response
06/04/2024
Complaint: 21794832
I am rejecting this response because: the business requested further information; no resolution.The information requested follows:
case number: 05442447
Sincerely,
*************************Business response
06/06/2024
We have attached a response to Complaint ID: ********Customer response
06/06/2024
Complaint: 21794832
I am rejecting this response because:Liberty Mutual informed me on June 6, 2024 that all billing against B****** and Sons is suspended pending the audit review which began on June 5, 2024. Your response indicated that the audit was completed, which is inaccurate. Further, you indicated that the debt was verified because the audit was completed, which is also inaccurate. I spoke with *************************** at Liberty Mutual who confirmed that the amount alleged $287 was an estimate because no audit was completed.
Additionally, your response did not address the inadequate notice of verifiable debt against B****** and Sons. *********************** in the audit department verified that they had no records indicating notice of the audit or estimated amount due was received by any agent or representative of our company. B****** and Sons received no valid notification from Liberty Mutual, and your company provided insufficient notice of the debt owed. Your company provided no information regarding the alleged debt other than a single page stating $287 was due. This did not indicate it was the result of an audit estimate, and did not indicate how the amount could be disputed. I attempted to speak with ***********************, the representative that continually contacted me regarding the amount due. I requested further documentation, indicated my intent to dispute the amount owed, and requested further information regarding the dispute. ************** failed to provide me with any information requested, continued to press me to pay the amount owed without any assurance that the debt was verified, and referred me to Liberty Mutual when pressed for the FIFTH time.
It required by law that debt collectors provide verification of debt and avenues for disputing debt. When a creditor disputes the amount owed and requests verification of the amount due, debt collectors are to cease all communication until adequate verification is provided. With the rise in scam debt collection, I'm sure you can understand why a single page with no information other than a total due is not adequate proof of verified debt. I requested any other documentation that could prove this debt was verifiable and ************** was unable to provide any information. Moreover, she did not respond to any of my questions or concerns, and simply stated that legal action would be taken if I did not pay the alleged amount due.
This practice is completely unprofessional and inadequate in terms of consumer rights. I'm sure these scare tactics work on many people you may harass, but your agents need to be educated on the law regarding adequate notice. Without providing avenues for dispute, your company violates consumer rights to verify legally enforceable debt. By the time ************** even responded to my concerns with a simple "I don't know, call Liberty Mutual," she had already referred the matter for legal action. You cannot, in good faith, argue that this is adequate verification of debt.
As a professional intermediary hired by a company to collect on debt, you are not even acting as an intermediary. Referring the consumer to Liberty Mutual to figure out their own debt is completely unprofessional and I honestly don't understand how you remain in business. Why would any company hire you as an intermediary when all you do is send repeatetive emails and refuse to address questions, concerns, debt verification...? Why must consumers file a complaint with the BBB for your company to do their job? Its truly incredible that Brown & Joseph has avoided bankruptcy or litigation.
I am rejecting your response because (1) the information you provided regarding the alleged debt owed is inaccurate; (2) your refusal to take accountability for the actions of your representatives; (3) you did not address any concerns regarding adequate notice. This is my FIRST communication from Brown & Joseph that even describes my relationship with Liberty Mutual.
In your response, please address (1) the factual inconsistencies in the information you provided; (2) whether your representatives receive ANY training on their legal obligations; (3) whether your representatives are encouraged to push for collections without providing the consumer with any information whatsoever; (4) whether it is common practice for your representatives to deny any response to questions or concerns; (5) whether your company is simply hired for their email campaigns and consumers must always contact the company owed even though you represent that your company is an intermediary; (6) whether your representatives are trained to withhold information on how to dispute the alleged debt until the matter is referred for legal action?
Sincerely,
*************************Business response
06/11/2024
The complainant contacted Liberty Mutual directly and a review audit has started. This account has been suspended until September 9, 2024. We consider this complaint closed.
Best regards,
*************************
*************************************
Initial Complaint
05/27/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
This collection firm is attempting to collect $70.00 on behalf of sun state insurance agency. Those $70.00 according to Brown & Joseph LLC were not paid about a year ago, something that our company Arizona's Landscape Brigade totally disagrees on. We have reached sun state directly and have failed to provide balanced records to justify their claim. On the other hand, we have completed our investigation and our records show that everything was paid on time and by the time that our commercial relationship terminated there were no outstanding balances. Please provide all the evidence you have to prove that we owe you that amount listed above. Thank you for taking the time to review your claim. If you have any questions feel free to contact me via email or to our phone number ************, but preferably through BBB. - ****Business response
05/29/2024
Please see attached letter. We have closed this complaint.
Thank you,
*************************
Customer response
06/03/2024
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
05/22/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I thought they were representing MetLife Disability to resolve overpayment. As it turns out Metlife already took the money I owed. I had set up automatic payments with Brown & Joseph of $100 each month to resolve my overpayment with Metlife but none of the funds ($200 so far) taken have been sent to Metlife.First payment was April 8, 2024 and second was May 8, 2024. I want reimbursement and to stop them from taking more money from me. I can't reach anyone by phone or e-mail. When I try to login it says it can't find me in system and to talk to the Administrator (but no one answers phone).I'm worried this is a scam.Business response
05/24/2024
I have enclosed our response above. If you have any questions, please email me.
Thank you,
*************************
Customer response
05/28/2024
Complaint: 21745197
I am rejecting this response because:Brown & Joseph still owe me $100 for the May payment and assurance in writing that they will not take any other funds from my account.
Sincerely,
***************************************Business response
05/29/2024
Brown and Joseph has processed both $100.00 refunds to complainant. We have closed this account with ********************** and Joseph.Customer response
05/29/2024
Complaint: 21745197
I am rejecting this response because:I want to make sure I get the other $100 they owe me and that nothing more is taken out of my account in June.
Thank you -
Sincerely,
***************************************Business response
05/30/2024
As stated in our last submission, Brown and Joseph has refunded the second $100.00 payment to complainant's credit card. Additionally, we have closed the account under ********************** and Joseph and no other payments will be deducted from complainant's credit card going forward.
Sincerely,
*************************
Licensing and Compliance Specialist
*************************************
Initial Complaint
05/02/2024
- Complaint Type:
- Order Issues
- Status:
- Resolved
I received a call from this company stating they are requesting my license to be suspended unless I pay over ***** for an insurance claim. I was NOT THE ***** OF THE *** AT THE **** OF THE ACCIDENT, I WAS NOT AT FAULT, AND THE *** WAS INSURED BY FARMERS. This is a PROGESSIVE INSURANCES scam to get out of covering an auto accident, and this company is willingly and knowingly involved in what should be an illegal act. The state in which I live requires all automobiles to be covered in an event like this one. If Progessive DOES NOT OFFER OR HONOR that coverage, they should not offer or provide car insurance to TX residents, AND THIS COMPANY SHOULD DO ITS DUE DILIGENCE BEFORE ACCEPTING AND ATTEMPTING COLLECTION.Business response
05/06/2024
Please find our response attached.
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