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Complaint Details
Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.
Initial Complaint
02/14/2024
- Complaint Type:
- Billing Issues
- Status:
- Unanswered
To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.COLLECTION ACCT #: **************** BAL. $1,887.00 Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Initial Complaint
01/14/2024
- Complaint Type:
- Order Issues
- Status:
- Unanswered
I am not liable for this debt with COLLECTION, I do not have a contract with COLLECTION CO OF AMERICA, they did not provide me with the original contract as requested.Initial Complaint
12/09/2023
- Complaint Type:
- Customer Service Issues
- Status:
- Unanswered
I am not liable for this debt with ************************ Company. I do not have a contract with CREDIT COLLECTION SERVICE, they did not provide me with the original contract as requestedInitial Complaint
12/05/2023
- Complaint Type:
- Billing Issues
- Status:
- Unanswered
I am not liable for this debt with (Collection Co Of America) ido not have a contract with Collection Co Of America they did not provide me with the original contract as I requestedInitial Complaint
08/22/2023
- Complaint Type:
- Billing Issues
- Status:
- Unanswered
Transaction date: January 02, 2020.Company owed: ******* Wireless.Amount paid: $1,372.Account number: ******************** was sent to collections through EOS CCA.Item the debt was created for: ******* Galaxy Note 20 Ultra cell phone.The business has not tried to resolve this issue, and refuses to clear this from my credit report. I had originally spoken with a representative from ******* Wireless on a recorded line, and was advised that because they had never sent the device to me, this debt would be cancelled and would no longer be owed. I have since disputed this report with Experian, however, there has been no change to my credit history. I was not aware at the time that it was possible to dispute through the Better Business Bureau. My ******* account was closed on October 24, 2020 due to their refusal to send me the device that I had started a line of credit for and my final balance was paid on October 13, 2020 as shown in the screenshots provided with my dispute.
Business response
08/10/2023
As a matter of policy ****** of ******************** (ACC)does not comment on specific details regarding consumer accounts. Generally speaking, complaints found here are not always factually accurate and are posted by individuals who are not actual customers of this business. All collection efforts are conducted with strict compliance of all local, State and Federal statutes.
As in this complaint, the consumer has erroneously filed his complaint with the wrong business. ACC does not have an account with this consumer and has never communicated or transacted any business with this consumer. Moreover, ACC does not represent ******* Wireless.
ACC request that the consumer either withdraw his complaint and refile with the correct business or that the BBB remove this complaint from ACCs company page.
Business response
08/10/2023
This has happened more than once and the BBB never corrects the erroneous complaints filed against our company. This consumer is complaining about another business...NOT ACC.
We pay the BBB for our accreditation and expect that the BBB advocate for the businesses that subscribe to it's services. We have earned our A+ rating but we are always battling with the BBB because of their irrelevant algorythm that calculates rating status. I would like someone from the BBB to call me to discuss how we as business partners can remedy this oversight.
Customer response
08/10/2023
I don't know why BB has sent my dispute to ****** of *************** **** (ACC).
I specifically stated in my dispute that the credit I'm disputing is with EOS CCA, which is the collection agency that ******* Wireless referred me to for my account. Please correct this.Customer response
08/11/2023
I don't know why BBB has sent my dispute to ****** of ******************** (ACC).
I specifically stated in my dispute that the credit I'm disputing is with EOS CCA, which is the collection agency that ******* Wireless referred me to for my account. Please correct this.Initial Complaint
06/20/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
Called to pay Toll collections. TSI/ EOS ,they go by both names,they took ****** for a bill we never discussed nor did I know they had . After I gave debit card information they told me they didn't have a toll bill but I did have an equipment bill from ******** They've since sent another bill.Business response
06/26/2023
June 26, 2023
BBB BAN #: 20198792
EOS CCA #: 34- ******* |US Asset Management
Original Creditor: *******
Creditor Account #: *************
Dear *****************************,
EOS CCA is in receipt of your complaint regarding the above-referenced account. We have reviewed the information provided and our findings are set forth below.
Our client, US ***************** placed the above referenced account with our office for collections on 07/13/2021 with a past due balance of $207.97.
We searched our databases under EOS and TSI using the information supplied and was able to identify that the above-referenced account is the only ******* account showing under your name and social. Furthermore,EOS or TSI did not receive any payment for the above-referenced account since the date of placement. Also, our call record indicates only one phone call under the phone number ************** on June 13, 2023. No other phone call recorded since January 2023 under the above-mentioned phone number.
Please justify your claim by sending any proof of payment and/or bank statement so we can have it investigated further.
Please contact ******************* at ************** for additional assistance.
Sincerely,
EOS CCA Consumer Relations Department
This communication is from a debt collector.Initial Complaint
06/02/2023
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
l am not liable for this debt with ****** *** and do not have a contract with EOS CCA. They did not provide me with the original contract as I asked. states I this account is a violation of my rights!In accordance with the **** (Fair Credit Reporting Act) 15 USC ****section 602 A- states I have a right to privacy. 15USC **** section 604 A section 2-it also states a consumer reporting agency cannot furnish an account without my written instructionsBusiness response
06/13/2023
June 13, 2023
BBB BAN #: 20133905
EOS CCA #: ************
Original Creditor: ****** *** Bank
Creditor Account #: ****************
Dear Kayode Openibo,
EOS CCA is in receipt of your complaint regarding the above-referenced account. We have reviewed the information provided and our findings are set forth below.
Our client, US ***************** placed the above referenced account and one (1) other ****** *** account with our office for collections on 11/14/2019 with a current combined total balance of $25,601.33.
EOS has placed the accounts in a restrictive status to prevent further collection activity in our office. It is ***'s intent to conduct further investigation and to get supporting documentation from ****** *** Bank. Should we receive any, these documents will be forwarded to you.During this interim time, it is EOSs intent not to contact you regarding this debt.
If you have any questions or concerns, please contact ******************* at ************** for additional assistance.
Sincerely,
EOS CCA Consumer Relations DepartmentThis is a communication from a debt collector.
Customer response
06/14/2023
Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered.
I reject because eos is still investigating and I have no closure to this investigation
[You must provide details of why you are not satisfied with this resolution. If you do not enter a reason for your rejection, your complaint will be closed as Answered.]
.
Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
FAQ
Regards,Kayode
Business response
06/22/2023
June 22, 2023
BBB BAN #: 20133905
EOS CCA #: ************
Original Creditor: ****** *** Bank
Creditor Account #: ****************
Dear Kayode Openibo,
This is the follow up response from your previous complaint.
EOS requested and has received validation information for your accounts from ****** ***. Enclosed are the promissory notes EOS received from the creditor that corresponds to the referenced account and one (1) other ****** *** account.
EOS has placed the accounts in a cease communication status to prevent further collection activity in our office and to give you enough time to respond. If you have any questions or concerns, please contact ******************* at ************** for additional assistance.
Sincerely,
EOS CCA Consumer Relations DepartmentThis communication is from a debt collector.
Initial Complaint
05/25/2023
- Complaint Type:
- Customer Service Issues
- Status:
- Resolved
I am not liable for this debt with EOS CCA and do not have a contract with ******** They did not provide me with the original contract application like I asked.Business response
06/13/2023
May 13, 2023
BBB BAN #: 20103110
EOS CCA #: 34- ******* |** Asset Management
Original Creditor: Verizon
Creditor Account #: *************
Dear *************************,
EOS CCA is in receipt of your complaint regarding the above-referenced account. We have reviewed the information provided and our findings are set forth below.
Our client, ** ***************** placed the above referenced account with our office for collections on 03/23/2022 with a past due balance of $882.48.
The above-referenced account is closed in EOSs system. It is EOSs intent to have no further communication with you regarding the above referenced account. *** has contacted the credit bureaus with which it does business with its request to delete EOSs listing of the above-referenced account from your credit profile. EOS cannot affect a change to how the original creditor, or any other company may have listed the above account on your credit profile.
If you have any questions or concerns, please contact ******************* at ************** for additional assistance.
Sincerely,
EOS CCA Consumer Relations DepartmentThis is a communication from a debt collector.
Customer response
06/14/2023
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Better Business Bureau:
I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved.
Regards,
*************************Initial Complaint
05/17/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am not liable for this Debt with EOS CCA, the debt in question does not belong to me.Business response
05/26/2023
May 26, 2023
BBB BAN #: 20070582
EOS CCA #: 34-8943865 | ** Asset Management
Original Creditor: Verizon
Creditor Account #: *************
Dear *******************************,
EOS CCA is in receipt of your complaint regarding the above-referenced account. We have reviewed the information provided and our findings are set forth below.
Our client, ** ***************** placed the above referenced account with our office for collections on 09/13/2022 with a past due balance of $2,132.06. Under the same name and social, there are 2 more accounts listed in EOSs system.
We understand that the referenced account is being disputed and EOS is more than willing to assist you to resolve this dispute. We would like to request that you provide specific dispute details so we can conduct an investigation or provide an appropriate response.
If you are claiming that this account was a result of identity theft, please forward a copy of a police report and a valid identification to PO BOX ****** ******, ** *****, together with a brief cover letter.
In the interim, the account will be placed in a cease communication status to prevent further collection activity in our office. If you have any questions or concerns, please contact our collections department at ************** for additional assistance.
Sincerely,
EOS CCA Consumer Relations DepartmentThis communication is from a debt collector.
Initial Complaint
04/14/2023
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
I am not liable for this debt with EOS CCA and do not have a contract with them. They did not provide me with the original application as I asked.Business response
04/21/2023
April 21, 2023
BBB BAN #: 19934844
EOS CCA #: 34-7903623 | US Asset Management
Original Creditor: Verizon
Creditor Account #: *************
Dear *************************,
EOS CCA is in receipt of your complaint regarding the above-referenced account. We have reviewed the information provided and our findings are set forth below.
Our client, US ***************** placed the above referenced account with our office for collections on 05/18/2021 with a past due balance of $276.04.
EOS requested and has received validation information for your account. Enclosed is the validation information EOS received from the creditor that corresponds to the above-referenced account. EOS has placed the referenced account in a cease communication status to give you time to respond.
If you have any questions or concerns, please contact ******************* at ************** for additional assistance.
Sincerely,
EOS CCA Consumer Relations DepartmentThis communication is from a debt collector.
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