Business Profile

Collections Agencies

FirstPoint Collection Resources, Inc.

This business is NOT BBB Accredited.

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Complaints

Customer Complaints Summary

95 total complaints in the last 3 years.
8 complaints closed in the last 12 months.

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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:07/08/2025
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.
First point Collection services has failed to prove that they own an alleged debt that they are illegally reporting on my credit profile.Despite multiple prior written requests for validation and proper documentation proving your legal right to report and collect on the above-referenced account, the agency continues to respond with the same inadequate documentation a generic past due bill and has failed to furnish any legal proof of ownership or assignment of the alleged debt.Under FCRA 15 U.S.C. 1681s-2(a) and FDCPA 15 U.S.C. 1692g(b), you are required to provide:Documentation showing that they have legal ownership or assignment of the debt.A full chain of title if the debt has been transferred multiple times.A breakdown of the debt, the original contract, and supporting documents identifying me as the responsible party.Failure to provide such documentation while continuing to report this information to the credit bureaus constitutes willful noncompliance with:FCRA 1681s-2(b): Failure to conduct a reasonable investigation.FCRA 1681b: No permissible purpose to report unverifiable debt.FDCPA 1692e(2)(A): False representation of the legal status of the debt.FDCPA 1692e(8): Communicating disputed debt to a credit bureau without resolving the dispute.I have did a identity theft report and submitted to them and ******* and asked them on 7 different occasions that has been documented for proof of ownership of this alleged debt and they fail to provide me with documentation , which is a direct violation of my **** rights and shows that they are committing willful noncompliance. First Point Collections are purposely and Fraudulently reporting on my credit report and something has to be done about these Collection agencies misleading and Purposely damaging a consumers credit profile.
Customer Answer
Date: 07/08/2025
First point collections are purposely showing willful noncompliance and purposely currently reporting fraudulent account on my credit profile . Firstpoint continously continues to submit the same past due bill and refuses to provide proof of ownership of this alleged debt . I have asked them numerous times for proof of ownership through the **** website as well as via email and they still only send in response the same past due bill . I have since then filed a identity theft report regarding this same account and provided them with proper documentation, yet they still continue to report fraudulently to purposely damage my credit profile .
Business Response
Date: 07/18/2025
In response to this BBB complaint, First Point Resources reached out to the client , *************************** and requested validation. We have attached the validation received for your review. ************************** is still holding the consumer liable for the debt. We have also responded to 2 other CFPB complaints in regards to the same account. The ********************** mentioned Identity Theft, and we sent him a letter with the information First Point Resources requires in regards to Identity Theft and still have not received all the requested information such as a completed police report. The account that we have been corresponding with ******* ***** has the account # of ************ in the amount of $133.26.
Customer Answer
Date: 07/18/2025
I am rejecting this response because:

Attention: ***** ****** ( Representative of First Point Collection
I have requested that you show me proof that you show proof of ownership of this account for *********************************************** with proof of ownership . Instead you continue to provide me with past due bill statements , which does not show proof that Firstpoint Collections own this alleged debt. Which is in violation of many **** laws and *** regulations. Furthermore I have provided you with Identity Theft Report that has the case number and file number on it filed on the ***************** website . Since you have failed to show me proof of ownership this shows misleading and mishandling of my personal information that you obviously do not have ownership of which is comsidered Fraudulent activity.
Business Response
Date: 07/18/2025
First Point has provided the validation that was received from the client, National General. We do not have a signature page due to the fact some signatures are electronically added to policies. We are authorized to collect for National General and the consumer can verify that through his local office. We are not required to provide licenses. First Point has done it's due diligence in providing the information that is required by law to to the consumer.
Initial Complaint
Date:06/03/2025
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 want the collection reported on my credit to be removed immediately. I've never received any documentation or communications from this debt collector but on May 31st a new collection was reported by them. I'm not disputing the debt itself and I called on 6/3/2025 and paid my $255.99 balance in full after speaking with **** on the phone. My confirmation number is ************. He said that they might be willing to delete it as a one-time courtesy and also said that he couldn't even give me a receipt showing that I paid after asking numerous times. This is not fair at all. I'm currently trying to buy a home and they never once made contact or sent me anything but as soon as they see I'm applying for mortgages, they hit my credit with a collection. Well, I did my fair share and paid the debt. It's time for them to remove this from my report. I will be contacting the *** and Attorney General as well. Please remove this from my credit report right away. I've paid you what was owed without even trying to negotiate a settlement.
Business Response
Date: 06/05/2025
In response to the BBB complaint received, the call was reviewed. The representative received payment and offered the consumer a confirmation number (************) as a record of proof of payment. He did not have the capability to print out the consumer a receipt. We are going to remove the collection from his credit file as a one-time courtesy due to the fact there was not any communication or notification of the debt being reported to his credit file.
Customer Answer
Date: 06/05/2025
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and I accept it.
Initial Complaint
Date:04/27/2025
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.
Firtspoint Coll Resources put a negative new collection on my credit report for a purchase of $33.00 on 1/09/2025 the report status was changed to collections on 4/46/25. I did receive a predatory call a few days ago about a payday loan that was delinquent in 2019. The agent on the phone was trying to collect a debt. I explained that I did not recognize the debt. He asked about the last 4 digits of my social and said I will put this on your credit report and hung the phone up abruptly. Very rude exchange
Business Response
Date: 04/29/2025
In response to your BBB complaint. We have reached out to validate from our client (City of Charlotte). The validation is attached. We show that the consumer paid the debt $33.83 today by credit card/electronic payment. Once the payment goes through the system, it will be removed from the credit file. Keep in mind, that credit bureau update their files on a 30 day rotation. It may not be removed right away but it will come off report.

Initial Complaint

Date:01/30/2025

Type:Product Issues

Status:

Resolved

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 Friday, January 17, 2025, I received a statement in the mail from FirstPoint Collection Resources, Inc. with Reference ********* that I owe a total of $137.68 for two accounts ****************** and 95167-15000625222) for service on January 31, *************************************** the amount of $68.84 and a service on March 7, *************************************** the amount of $68.84. On Monday, January 27, 2025, I told ******* ******, of FirstPoint Collection Resources, Inc., that I want to file a complaint and a dispute to get a refund of my payment of $137.68, and I was told I need to contact FirstHealth of the Carolinas to get documentation and email it to FirstPoint Collection Resources, Inc. at *********************************************************************** Confirmation Number ************ was given to me by FirstPoint for my payment. FirstHealth of the Carolinas will not provide me any documentation nor will Mosaic Finance Solutions, **** which I paid in full on Saturday, December 28, 2024. I have contacted each of these companies numerous times and am continuously getting the run around from all three of these companies. Please help me to resolve this matter and get documentation for my records that I do not owe either one of these companies because I do not owe them. Thank you for your time and attention, and I look forward to hearing from you soon.

Customer Answer

Date: 02/03/2025

Good Evening *. ****,

I request that you please reopen my case for FirstPoint Collection Resources, Inc. It does not allow enough characters for my explanation on the BBB form online. Therefore, I am emailing you a detailed explanation with documentation included:

On Friday, January 17, 2025, I called FirstPoint Collection Resources, Inc. (contact numbers = ************** and **************) and spoke with a ******* ****** who told me that FirstHealth of the Carolinas sent these two accounts to them in collections, and I owe a balance of $137.68. I paid ******* ****** $137.68 over the phone on Friday, January 17, 2025, and she provided me confirmation number ************ as well as said that I will receive an emailed receipt to my email of ************************************************************************************** in up to 5 business days. I have checked my card online, and FirstPoint Collection Resources, Inc. has charged me $137.68. Also, ******* ****** told me to contact FirstHealth of the Carolinas about researching these accounts and send documentation to **********************************************************************************************************************************************************************************.

On Friday, January 17, 2025, I called Mosaic Finance Solutions, **** (contact numbers = **************, ************** and **************) and left a message asking them to research account numbers ***************** and *****************. A Representative *******, of Mosaic Finance Solutions, ****, called me back on Friday, January 17, 2025 and told me that account number ***************** shows paid but she would have to research account number ***************** and call me back. Representative ******* also verified my contact information (cell phone number of ************** and email address of ******************************************************************************************) and told me that she would consult with her supervisor and get back to me and email me documentation about both accounts so that I can forward the documentation to FirstPoint Collection Resources, Inc. for a full refund of my $137.68.

I have two separate and active email accounts, which are ************************************************************************************** that is listed on file with FirstPoint Collection Resources, Inc. and ****************************************************************************************** that is listed on file with Mosaic Finance Solutions, ****, and both of these email accounts are working/active, and I check them on a regular basis.

On Saturday, December 28, 2024, I paid Mosaic Finance Solutions, **** in full and have a receipt indicating my final payment, and it is a follows:

Mosaic Finance Solutions

Your payment was processed successfully!

Thank you for your payment!

Patient Name

******* D ****

Consumer Number

151546

Account Number

309369

308939

Confirmation Number

115787383

Authorization Code

091939

Amount

$243.39

Transaction Date

12/28/2024 11:25

Payment Method

Visa ***0860

I understand and Agree to the terms of this Payment Terms Agreement, and authorize Mosaic Finance Solutions process a one-time payment to the account I provided in the amount of $243.39 using the card or bank account provided on 12/28/2024 11:25. and if necessary, I agree that electronic credits may be made to my account to correct erroneous debits. I agree to this payment in accordance with the issuing bank card holder agreement. I understand that my payment will be processed within 1-2 banking days. I can call ************ during 8am - 5pm EST with any questions. I understand that this authorization will remain in full force and effect until I notify, Mosaic Finance Solutions in writing that I wish to revoke this authorization. I understand that Mosaic Finance Solutions requires at least 3 business days prior notice to cancel this authorization. Payments made after 7:00 P.M. eastern time will be applied as of the next business day. Once an immediate payment is authorized, there cannot be any changes or corrections. It is recommended that you print a copy of this authorization and maintain it for your records.

PO Box 26152

*******************

Office Hours: 8am to 5pm Monday to Friday EST

Phone: ************

On Friday, January 17, 2025, I called FirstHealth of the Carolinas (contact number = **************) and spoke with a Representative ***** who told me that neither account number ***************** or ***************** were sent to Mosaic Finance Solutions, ****, and I need to contact Mosaic Finance Solutions, **** to research these accounts, and when I receive information from Mosaic Finance Solutions, ****; then, I need to email it to **************************************************************************************************** in order for FirstHealth to research what happened with these accounts.

On Friday, January 24, 2025, I called FirstHealth of the Carolinas (contact number = **************) again and spoke with a Representative ***** who told me the following after consulting with her supervisor:

-After accounts are 120 days old, they are sent to FirstPoint Collection Resources, Inc.

-Payments from FirstPoint Collection Resources, Inc. are received by FirstHealth of the Carolinas once a month/take a month for FirstHealth of the Carolinas to receive.

-Mosaic Finance Solutions, **** and FirstPoint Collection Resources, Inc. communicate.

-Both accounts ****************** and 95167-15000625222) from what ***** could gather from the notes on my account with FirstHealth of the Carolinas were sent to Mosaic Finance Solutions, ****

-If the amount sent to FirstPoint Collection Resources, Inc. is under $500, it will not be reported as bad credit.

-FirstHealth of the Carolinas is only showing an $18.00 overpayment on my account.

-From what ***** can tell on my FirstHealth of the Carolinas account, I am not showing anything else that needs to be paid.

-Contact Mosaic Finance Solutions, **** to research both accounts ****************** and 95167-15000625222).

-Call FirstHealth of the Carolinas back in a month, in February 2025, when they receive payments from FirstPoint Collection Resources, Inc.

On Friday, January 24, 2025, I called FirstPoint Collection Resources, Inc. and spoke to a Representative with a male voice to ask why I had not received a receipt for my payment of $137.68 on Friday, January 17, 2025, and I was told that he would expedite my receipt (he verified my contact information again which was showing correct in their system), and he told me that he was showing only an $18.00 overpayment.

On Friday, January 24, 2025, I called Mosaic Finance Solutions, **** and left yet another message.

On Monday, January 27, 2025, I called FirstPoint Collection Resources again and spoke with ******* ****** again and asked her for a receipt for the $137.68 that I paid on Friday, January 17, 2025, and she verified my email again and told me that my receipt for my payment did not go through, and she emailed it to me again (and told me that I will receive the receipt in 48 to 72 hours). I told ******* ****** that I want to file a complaint and a dispute to get a refund of my $137.68. ******* ****** told me that she cannot give me a refund without having documentation from FirstHealth of the Carolinas, if she gives me a refund that will place me back into collections, and I need to contact FirstHealth of the Carolinas to get documentation and email it to FirstPoint Collection Resources, Inc. at **********************************************************************************************************************************************************************************.

On Thursday, January 30, 2025, I finally received the following receipt from FirstPoint Collection Resources, Inc. for my payment of $137.68 on Friday, January 17, 2025:

from:********************************************************************************************************************************************************

to:**************************************************************************************
date:Jan 30, 2025, 4:00 PM

subject:Payment Receipt

mailed-by:**********************************************

signed-by:**********************************************

security: Standard encryption (TLS) Learn more

Payment Receipt

FirstPoint Collection Resources ****
******************
PO Box 26140
********************-6140
************** | **************

Date:01/17/2025

Amount:$137.68

Received From:	***** D **
	PO BOX 546

	ROCKINGHAM NC, 283800546

Accounts Credited

Account Number	Client Name	Client Account	Amount Credited	Balance
52377156	FirstHealth of the Carolinas	95167-15000613457	$68.84	-$18.00
52377161	FirstHealth of the Carolinas	95167-15000625222	$68.84	$0.00

Thank you for your Payment!

MAKE ONLINE PAYMENTS BY VISITING ********************************* with the Payment Portal ID: *********

********************************************** #*********
"THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THIS
COMMUNICATION IS FROM A DEBT COLLECTOR." FIRSTPOINT COLLECTION RESOURCES, INC

On Wednesday, January 29, 2025, I called FirstHealth of the Carolinas again, and I spoke with a ***** who told me the following:

-FirstHealth of the Carolinas shows that I do not owe anything from 2023.

-The two accounts ****************** and 95167-15000625222) are both x-rays from Charlotte **********

-To Patti's understanding, Mosaic Finance Solutions, **** and FirstPoint Collection Resources, Inc. are in the same building.

-***** said that payments for March 2024, June 2024, November 2024 and December 2024 still have not been received at *********** of the Carolinas from Mosaic Finance Solutions, ****

-***** suggested that I get copies of checks from my bank as documentation that I made all payments and told me to contact Mosaic Finance Solutions, **** and ask them to research the accounts.

On Wednesday, January 29, 2025, I emailed FirstPoint Collection Resources, Inc. at ********************************************************************************************************************************************************************************** and Mosaic Finance Solutions, **** at **************************************************************************************************************************.

Only after I emailed Mosaic Finance Solutions, **** customer service, on Thursday, January 30, 2025, Representative ******* of Mosaic Finance Solutions, **** called me back and told me that the two accounts ****************** and 95167-15000625222) are housed in the main business office at FirstHealth of the Carolinas and to call **************. And, Representative ******* rudely and nastily said, "Who better for you to call than them because we do not have it here!"

On Thursday, January 30, 2025, I called FirstHealth of the Carolinas at ************** yet again, and I spoke to a Representative ***** who verified my cell and home numbers, wrote down the confirmation number that I was given by ******* ****** of FirstPoint Collection Resources, Inc. where I paid $137.68 and said that she was going to forward the information to her supervisor ***** to research and ***** will give me a call back. ***** said that I do not owe FirstHealth of the Carolinas anymore payments other than what needs to be researched.

I pay my bills on time, and I have never missed a payment with Mosaic Finance Solutions, ****

At this point, I am completely, totally and utterly exhausted from receiving the run around about this matter.

Will someone please determine what has happened?

Will someone please get me a full refund from FirstPoint Collection Resources, Inc.?

Will someone please get me documentation for my records from FirstHealth of the Carolinas, Mosaic Finance Solutions, **** and FirstPoint Collection Resources, Inc. showing that I do not owe any of them any money?

Please, Please, Please help me to resolve this matter.

Thank you very much for your time and attention to this matter, and I look forward to hearing from you soon.

Thank you very much,

******* ****