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:09/26/2022

  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 *** Physicians and do not a contract with BULL CITY FINANCIAL SOLUTIONS. They can not provide me with any contracts for the accounts they have on my credit report seeing as I have never signed a contract with BULL CITY FINANCIAL SOLUTIONS for any of the accounts on my credit reports. I would like for all of the accounts on my credit report from BULL CITY FINANCIAL SOLUTIONS to be deleted immediately

  Business Response

  Date: 09/27/2022

  Thank you for your inquiry. In accordance with 15 USC ****c we are unable to disclose any information about consumers to third parties. Our Help Desk is available to assist consumers and may be reached directly via telephone at **************. 

• Initial Complaint

  Date:09/21/2022

  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 sent in multiple letters on August 21, 2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 15 U.S code **** (g) validation of debt 15 U.S code ****d harassment and abuse 15 U.S code ****e False or misleading representations 15 U.S code ****f-Unfair practices Under 15 U.S code ****k civil liability I demand $1,000 for each violation as you have caused severe damage to my character or remove it at once in the credit report.

  Business Response

  Date: 09/27/2022

  Thank you for your inquiry. In accordance with 15 USC ****c we are unable to disclose any information about consumers to third parties. Our Help Desk is available to assist consumers and may be reached directly via telephone at **************. 

• Initial Complaint

  Date:09/06/2022

  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.

  Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. Delete this unverified and misleading account.

  Business Response

  Date: 09/12/2022

  Thank you for your
  inquiry. In accordance with 15 USC 1692c we are unable to disclose any
  information about consumers to third parties. Our Help Desk is available to
  assist consumers and may be reached directly via telephone at 1-800-489-7999

• Initial Complaint

  Date:08/29/2022

  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 declare Under penalty of perjury, (under the laws of *****************, if executed outside of *****************), that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDEAL CRIMINAL VIOLATION punishable under 18 USC ****. Additionally, these misstatements are punishable as perjury under 18 USC ****. This item found within my credit report is not related to any transaction that I made. This debt collector is in violation for putting unknown/unauthorize account on my credit report. I never had any business with debt collector nor gave my written consent. This has caused me to suffer and its defamation of my character.Moving forward I would like you to stop reporting to all credit reporting agencies that I owe any amount to your company. Remove all false debts from my reports ASAP. I also like your company to mail me via postal mail all the changes have been made or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering.

  Business Response

  Date: 08/30/2022

  Thank you for your inquiry. In accordance with 15 USC ****c we are unable to disclose any information about consumers to third parties. Our Help Desk is available to assist consumers and may be reached directly via telephone at **************. 

  Customer Answer

  Date: 09/04/2022

   
  Complaint: 17787089  I am rejecting this response because: This account needs to be deleted immediately under the Federal Laws for it violates the following:
  
  1. 15 USC ****(a)(4) Infringed Upon a Consumers right to privacy
  
  2. Under 15 U.S. Code ****d-Harassment and abuse have been harassed and have trauma this account in violation and under 15 U.S. Code ****j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. 
  
  3. Under 15 U.S. Code ****b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. I never had any business with your company nor gave your company my written consent.
  
  4. Lastly. as per FTC guidelines reporting this account in my consumer credit report is a form of collection activity. In violation under 18 U.S. Code 894 - Collection of extensions of credit Under
  (a)Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means
  (1)to collect or attempt to collect any extension of credit, or (2)to punish any person for the nonrepayment thereof,
  shall be fined under this title or imprisoned not more than 20 years, or both.
  
  Your continued derogatory reporting of this account in my credit report is a form of punishment and hurting my chances of improving my living situation.
  
  Cease and desist ASAP. Delete this account immediately.
  
  Sincerely,
  
  Kelsee *********************

• Initial Complaint

  Date:08/24/2022

  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.

  Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false account. Delete this unverified and misleading account.

  Business Response

  Date: 08/25/2022

  Thank you for your inquiry. In accordance with 15 USC 1692c we are unable to disclose any information about consumers to third parties. Our Help Desk is available to assist consumers and may be reached directly via telephone at 1-800-489-7999. 

• Initial Complaint

  Date:08/12/2022

  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.

  BULL CITY FINANCIAL SOLU
  1107 W MAIN ST SUITE 201
  DURHAM , NC 27701
  Phone: (800) 489-7999
  
  Account #****XXXX
  
  BULL CITY FINANCIAL SOLU is falsely reporting on my credit. I have never had any accounts with them. Per my research BULL CITY FINANCIAL SOLU is a debt collector. They are falsely reporting to my credit!
  Account #****XXXX are falsely reporting to my credit file and are against my rights and fair credit act. Under 15 U.S. Code § 1681d - Disclosure of investigative consumer reports; you are in violation. I have attached the definition so you can see the violation! (a)Disclosure of fact of preparation
  
  A person may not procure or cause to be prepared an investigative consumer report on any consumer unless—
  (1)it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure (A) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested
  
  I request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature with BULL CITY FINANCIAL SOLU. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation.
  
  Please have the creditor provide the validation documents to the BBB as well as certified mail to me . Its extremely important that the creditor provide the documents to BBB to ensure fairness and that they are not brushing me off. thank you for your assistance.

  Business Response

  Date: 08/12/2022

  Thank you for your inquiry. In accordance with 15 USC 1692c we are unable to disclose any information about consumers to third parties. Our Help Desk is available to assist consumers and may be reached directly via telephone at 1-800-489-7999. 

  Business Response

  Date: 08/17/2022

  Again, Thank you for your inquiry. In accordance with 15 USC 1692c we are unable to disclose any information about consumers to third parties. Our Help Desk is available to assist consumers and may be reached directly via telephone at 1-800-489-7999. The BBB is a third party.

  Customer Answer

  Date: 08/17/2022

  
  
  Complaint: 1*******
  
  
  
  I am rejecting this response because: this is a false account with no reason of being on my credit report as you aren’t even the creditor. Due to your willfulness non compliance I will file a complaint with the CFPB seeking the $1,000 fine. 
  
  
  
  Sincerely,
  
  
  
  ******* *****

• Initial Complaint

  Date:08/11/2022

  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 checked my credit report and noticed I had a collection from BULLCITY FINANCIAL SOL that was opened in 08/01/2018 for $164.00 with account number starting in ******** that I do not recall and am not liable for. I never entered into a signed agreement or completed an original contract with them. This is fraudulent and a violation of my rights. This inaccurate collection is not mine. If you believe this account is mine, prove the validity.
  
  I would like all collection activity to cease immediately and for this inaccurate and fraudulent collection to be removed from my credit report or I will file for litigation and report you to the CFPB and FTC.

  Business Response

  Date: 08/12/2022

  TThank you for your
  inquiry. In accordance with 15 USC 1692c we are unable to disclose any
  information about consumers to third parties. Our Help Desk is available to
  assist consumers and may be reached directly via telephone at 1-800-489-7999.