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:05/22/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  HI FFR **** BBB; PLEASE CEASE ALL METHOD OF COMMUNICATION BECAUSE I'M NOT LIABLE FOR THIS MEDICAL COLLECTION AND ITS IN VIOLATIONS OF MY CONSUMER RIGHTS. I NEVER HAD ANY CONTRACTUAL OBLIGATIONS WITH THIS COMPANY NOR THE ORIGINAL CREDITOR. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of **** and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information: 1. Please evidence your authorization under 15 USC 1692(e) and 15 USC 1692(f) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. According to the provisions under the **** and FDCPA, I demand that this item be deleted from all the 3 CREDIT BUREAUS as soon as possible. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must DELETE any erroneous reports of this past debt as mine from the credit bureau.

  

  Business Response

  Date: 05/23/2024

  **************** account was turned over to our collection agency by our client on 2/26/19. We have contacted ************ numerous times both by mail and phone. Due to his lack of communication with our agency, we placed a derogatory **** on his credit report on 5/19/19. We continue to make collection attempts. On 10/11/23 and 10/17/23, ************ submitted disputes to the credit bureaus, but we verified that the debt was valid and our demographics match what he had provided. On 11/15/23, we also received a letter from ************ saying that he felt this was an identity theft issue, he requested validation of the debt. The validation of the debt was sent to ************ on 11/17/23. We continued to receive dispute letters from ************ on 12/15/23, 1/30/24, 2/19/24, 3/26/24, and 5/8/24. In the letters he continues to ask for validation of the debt, but we have already validated the debt. If ************ would like to resolve this matter, he needs to contact our agency at ************. Thank you!

• Initial Complaint

  Date:05/10/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I'm writing urgently to address the errors on my credit report resulting from the disclosure of my personal information to credit bureaus, leading to significant financial and emotional distress.As stated in 15 USC 1681 Section 602, I assert my right to financial privacy and expect my information to be treated confidentially.Additionally, under 15 USC 1681 Section 604(a)(2), a consumer reporting agency cannot disclose account details without my explicit consent, which I haven't provided.The discrepancies related to FIRST FINANCIAL RESOUR have negatively impacted my financial standing, prompting an immediate need for correction.I also emphasize compliance with 15 USC 1666(b), prohibiting creditors from treating credit card payments as late under specific circumstances.Below are my account details for your reference:Account Number: **************I urgently request a thorough review of my account, prompt rectification of the credit report inaccuracies, and strict adherence to federal laws governing my information.Failure to promptly address these concerns may result in legal action. I appreciate your immediate attention to this matter.Sincerely,*****************************

  

  Business Response

  Date: 05/13/2024

  **********************' account came over to our agency on 5/9/23. We have contacted him numerous times by mail and phone, but he did not respond. Due to his lack of communication with our agency, we placed a derogatory **** on his credit report on 1/1/24. On 4/3/24, ********************** contacted our agency, he was looking to settle his account. Since we do not own the debt, we could only settle for the amount that is authorized to us by our client. ********************** did not want to settle for the amount that was offered and he ended the call. He also notified the credit bureaus that our **** was on his report in error, but we advised them that it is not an error since all of his demographics match what was provided to us by our client. We are happy to help ********************** resolve his account if he contacts our agency at ************. Thank you!

• Initial Complaint

  Date:04/12/2024

  Type:Sales and Advertising 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 IS DUPLICATE, INACCURATE ACCOUNT. I NEVER HAD LEGAL RELATIONSHIP WITH ******** AMBULANCE AND FIRST FINANCIAL RESOURCES **** I demand that this be deleted from my credit report effective today as I do not recognized this account, no knowledge and no prior contractual obligations with this company. You violated my rights rights under 15 USC codes sections 1692 d, e f g of FCRA/*****. Remove from my credit report. You violated 1692d of the ***** by engaging in conduct that the natural consequences of which was to harass, oppress, and abuse client in connection with the collection of an alleged debt and the collection letter you sent me which contains veiled and empty threats of legal action;You violated 1692e of the ***** by its use of any false, deceptive, or misleading representation or means in connection with the collection of any debt when you engaged in, at least, the following discrete violations of 1692e;You violated 1692e(2)(A) of the ***** with its false representation of the character, amount, or legal status of any debt and the collection letter you sent me which contains veiled threats of legal action against me, the client;You violated 1692e(5) of the ***** by its threat to take any action that cannot legally be taken or that is not intended to be taken when you sent me the collection letter contains veiled threats of legal action against me, the client;You violated 1692g(b) of the ***** by engaging in collection activities that overshadowed or was inconsistent with the disclosure of the consumers right to dispute the debt with the language it used in the Collection Letter; andYou violated 1692f of the ***** by its use of unfair or unconscionable means to collect or attempt to collect any debt when you engaged in all of the misconduct alleged herein. I demand an immediate deletion of this account from all credit reporting agency.

  

  Business Response

  Date: 04/15/2024

  We have two accounts in our agency for ***********************. One was sent over to us on 2/19/2019 and the other came to us on 12/7/2020. The accounts are not duplicates; they are for two separate dates of service. We have contacted Dinis numerous times both by phone and mail but we have never received a response. Due to the lack of communication from Dinis, we submitted both accounts to the credit bureaus. We are more than happy to help Dinis resolve the accounts but Dinis must contact our agency at ************. Thank you!

• Initial Complaint

  Date:03/25/2024

  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.

  DEAR BBB; FFR; cease all methods of communication. this is a HIPPA violations at it's highest level, and they've failed to validate the validity of this entire debt. i never used ******** ambulance services and when i call ******** they tell me to call this alleged debt collector that i never dealt with in the past. I demand that this be deleted from my credit report effective today as I do not recognized this account, no knowledge and no prior contractual obligations with this company. You violated my rights rights under 15 USC codes sections 1692 d, e f g of FCRA/*****. Remove from my credit report. You violated 1692d of the ***** by engaging in conduct that the natural consequences of which was to harass, oppress, and abuse client in connection with the collection of an alleged debt and the collection letter you sent me which contains veiled and empty threats of legal action;You violated 1692e of the ***** by its use of any false, deceptive, or misleading representation or means in connection with the collection of any debt when you engaged in, at least, the following discrete violations of 1692e;You violated 1692e(2)(A) of the ***** with its false representation of the character, amount, or legal status of any debt and the collection letter you sent me which contains veiled threats of legal action against me, the client;You violated 1692e(5) of the ***** by its threat to take any action that cannot legally be taken or that is not intended to be taken when you sent me the collection letter contains veiled threats of legal action against me, the client;You violated 1692g(b) of the ***** by engaging in collection activities that overshadowed or was inconsistent with the disclosure of the consumers right to dispute the debt with the language it used in the Collection Letter; and I demand an immediate deletion of this account from all credit reporting agency.

  

  Business Response

  Date: 03/26/2024

  After reviewing ****************** complaint and his account in our system, we are going to take our **** off his credit report while we investigate the matter. If he has any questions, he can contact ********** at ************. Thank you!

• Initial Complaint

  Date:03/24/2024

  Type:Customer Service 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 SOUTH SHORE HEALTH EXPRESS. I do not have a contract with FIRST FINANCIAL RESOURCES **** They did not provide me with the original contract as requested.

  

  Business Response

  Date: 03/25/2024

  ********************** account was turned over to our collection agency on 9/18/2023. We have sent her numerous notices and contacted her by phone multiple times, but she has not responded to any of our collection efforts. The address and phone number we have on file matches the information she provided on this complaint. Due to her lack of communication with **********, we placed a derogatory **** on her credit report on 11/30/2023. We are happy to help ****************** resolve her account, she can contact ********** at ************. Thank you! 

• Initial Complaint

  Date:03/08/2024

  Type:Customer Service 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 LIBLE FOR GEORGETOWN FIRE ***** AM. I DO NOT HAVE A CONTRACT WITH First Financial Resources, Inc. THEY HAVE NOT PROVIDE ME WITH THE ORIGINAL CONTRACT. OR HAVE ANY CONTRACT WITH THEM

  

  Business Response

  Date: 03/11/2024

  ************************** account was turned over to our collection agency on 8/22/2023. We reached out to him numerous times both by phone and mail. The address and phone number we have on file matches the information he provided on this complaint. Due to ************************** lack of response, we placed a derogatory **** on his credit report on 2/29/2024. ********************** contacted ********** on 3/6/2024, he stated that he would be contacting his insurance to resolve the matter. Once the account has been taken care of we are happy to update ************************** credit report accordingly. Thank you!

• Initial Complaint

  Date:02/20/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received a call on Monday, February 19,2024 from First Financial Resources. The person stated that my file was sent to them about a $100 debt that I owed to Fallon Ambulance. I told the person I paid that debt directly to Fallon Ambulance on November 1, 2023. I told them not to call me again. I told them to call ****** Ambulance to verify the debt was paid. The person said they did not have their number. I told the person I did not understand how they did not have the contact number for Fallon Ambulance. This makes no sense to me how they did not have a contact number. Fallon Ambulance referred my file to them so they should have a contact number. I already filled out a complaint form against Fallon Ambulance. I need this issue resolved. I do not want this to be on my credit report as an unpaid debt. Because I paid it. I have a receipt verifying that it was paid and the date it was paid.

  

  Business Response

  Date: 02/21/2024

  We are currently looking into this matter. As per **************** request, we will not be contacting her again. If she has any questions for us she can reach us at ************. Thank you!

• Initial Complaint

  Date:01/29/2024

  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.

  Iam not liable for this debt with First financial resources, I do not have a contract with First financial resources, they did not provide me with the original contract as I requested.

  

  Business Response

  Date: 01/31/2024

  Hello **************, we are having trouble locating your account in our system. Please provide us with additional information (i.e. your date of birth, account number, outstanding balance, etc.). If you prefer to contact us by phone we can be reached at ************. Thank you!

• Initial Complaint

  Date:01/21/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the ***** Act of ****. I never signed a ***** form to authorize your company to have access to my medical records or procedures that I went through.I do not have a signed contract with FFR. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the ****** Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Better Business Bureau (BBB). The BBB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn the matter over to an attorney.

  

  Business Response

  Date: 01/22/2024

  ****************** account was turned over to our collection agency on 8/25/2022, we have contacted ************** numerous times by phone and mail but did not receive a response. Due to her lack of communication with **********, we placed a derogatory **** on her credit report on 11/01/2023. The demographics provided in this complaint matches what we have in our system so we will mail ************** validation of her debt. We would like to help her resolve this matter so she can contact us at ************. Thank you!!

• Initial Complaint

  Date:01/16/2024

  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 the debt with *****************************************, they did not provide me with the original contract as I requested.

  

  Business Response

  Date: 01/22/2024

  ********************************* account was turned over to our collection agency on 7/19/2023, we sent her numerous letters and contacted her by phone but we did not receive a response. Due to her lack of communication with **********, we placed a derogatory **** on her credit report on 9/30/2023. On 1/12/2024, we received a dispute from Experian saying that ***************************** was requesting validation of the debt. All of her demographic information on the dispute from Experian and this complaint matches what is in our system. As soon as we have the documentation, we will be mailing it to *****************************. Once she receives the validation of the debt we highly recommend that ***************************** contact ********** at ************ so we can help her resolve her account. Thank you!