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:09/14/2023

  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 am not liable for this debt with ******** USA INC, I do not have a contract with SOURCE RECEIVABLES MANAGEMENT, they did not provide me with the original contract as I requested.

  Customer Answer

  Date: 09/16/2023

  I called ******** to clarify the bill since I do not have a contract with ********, I use ******** prepaid services which is not tied to any monthly bill. I also contacted SOURCE RECEIVABLES MANAGEMENT asked them when I had signed a contract with them and they could not provide me with an answer they just said I had to pay for this bill. I have never signed a contract with ******** or SOURCE RECEIVABLES MANAGEMENT so please remove this from my credit report.

  Business Response

  Date: 09/21/2023

  We have reviewed the consumer complaint. We are a
  third-party collections agency that was hired by ******** to collect on the
  past due balance of $155.68 for the account ending in ****. This account
  started on 10/6/2019 and ended on 2/13/21. This account was not activated as pre-paid.
  It is a post-paid account under **** ********* *********. The last payment made
  was for $75.00 on 10/26/2020 and usage continued until 11/12/20. The balance
  consists of service charges of $142.50 and a late fee of $13.18. Please be
  advised that this account has been updated as disputed. 

  Customer Answer

  Date: 09/23/2023

   I am rejecting this response because:
  I have no recollection of ever getting an account or signing a contract with *******, nor have I signed a contract with Source Receivable Management if you can provide the contract as stated with my signature on it that would be great otherwise please remove this from my credit report asap thanks.
  

• Initial Complaint

  Date:09/09/2023

  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.

  Iam not liable for this debt with 11 ******. I do not have a contract with SOURCE RECEIVABLES MANAGEMENT , they did not provide me with the original contract as I requested.

  Customer Answer

  Date: 09/10/2023

  I’ve had several phone conversations with them and nothing have been done 

  Business Response

  Date: 09/18/2023

  Source Receivables Management has reviewed the consumer
  complaint. We are a third-party collections agency that was hired by ****** to
  collect on the past due balance of $2467.10 for the account ending in ****. We
  do no purchase or own any debt; we are working on behalf of ******. This
  account was opened on 6/10/2020 and went delinquent on 9/16/2020. The email on
  the account is ***************************.
  Please see attached lease contracts for four devices received from ******. 

  Customer Answer

  Date: 09/18/2023

   I am rejecting this response because:
  
  
  
  
  
  I don’t have an knowledge of the email ***************************, I have never lived at the address on contract and the phone on file I have never had. This is not my account  None of the contracts has my signature or Id. This needs to be deleted and taken off my credit report immediately 
  

  Business Response

  Date: 09/19/2023

  If the consumer believes that this account was opened fraudulently,  a fraud form will have to be filled out. This can be found at *****************************************************. Once completed, ****** will investigate and notify the consumer of the findings. 

  Customer Answer

  Date: 09/19/2023

   I am rejecting this response because:
  
  I have done several dispute forms no one ever got back to me that is why I contacted BBB! 
  This needs to be taken care of now nothing is those contract is mines but the name ****** ******. The email, the address, the phone number, or signature isn’t mines
  
  
  

• Initial Complaint

  Date:09/08/2023

  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 do not have a signed contract with SOURCE RECEIVABLES MANAGEMENT. I demand that they drop my case/remove me from their database.

  Customer Answer

  Date: 09/08/2023

  I am reaching out to BBB first as I do not have a contract with the stated company so I would like my account closed.

  Business Response

  Date: 09/08/2023

  Source Receivables Management has reviewed
  the consumer complaint. We are a third-party collections agency that was hired
  by ****** to collect on the past due balance of $533.35 for the account ending
  in ****. We do not purchase or own any debt. We are working on behalf of
  ******. This account was opened on 3/8/2020. The last payment made was for $51.79
  on 2/13/2021. The email on the ****** account is ********************. Please
  be advised that this account has been updated as dispute, however, we believe
  that this account is due and owed.

• Initial Complaint

  Date:09/08/2023

  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.

  The basis for my dispute SOURCE RECEIVABLES MANAGEMENT,Ms. **** ******* President,SOURCE RECEIVABLES MNG (Original Creditor: ******),2467****,$1,953.00 - was required to notify me prior to 11/01/2022, or no later than 30 days after.
  
  SOURCE RECEIVABLES MNG (Original Creditor: ******)failed to notify me about reporting derogatory info. to Equifax, Experian, and Transunion In section 603(p) 15 U.S.C. ss 168s-2(a)(7)(A)(I); “The notice required under subparagraph (A) shall be provided to the customer prior to, or no later than 30 days after 11/01/2022, furnishing the negative derogatory information to a consumer reporting agency described in section 603 (p),’ 15 U.S.C. ss 1681s-2(a)(7)(B)(I). Plus broke commercial law under UCC § 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response.
  
  
  Also, SOURCE RECEIVABLES MNG (Original Creditor: ******)" failed to give me my "Mini-Miranda" five days prior to placing this derogatory item on all of my credit reports, per Section 807(11) & FDCPA §809, which is $1000 per violation and the state of TX allows treble damages.
  
  Under § 809. Validations of date and Mini-Mirandi under Section 807(1)SOURCE RECEIVABLES MANAGEMENT,Ms. **** ******* President failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to $2500 and can be enforced by the FTC, and that my state attorney general can also enforce this with a $1000 penalty as well.
  
  I attached a copy of the law and the actual document from the federal reserve
  
  SOURCE RECEIVABLES MNG (Original Creditor: ******)is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. Smith v. Heard 980 S.W.2d693

  Business Response

  Date: 09/11/2023

  We are unable to locate this account with the information provided. Please provide a full social or full account number so that we may locate this account better. 

• Initial Complaint

  Date:08/25/2023

  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 not liable for this debt with SOURCE RECEIVABLES MANAG.. I do not have a contract with SOURCE RECEIVABLES MANAG collection agency trying to collect and report to my credit agency.. they did not provide me with the original contract as requested

  Customer Answer

  Date: 08/28/2023

  I'm reviewing my consumers reports and noticed that there was an inaccurate account account on my credit report.

  Source Receivables Manag..

  Consumer reporting agencies have assumed a vital role and have a responsibility to report customers information to the best of the ability with maximum accuracies

  I contacted Source Receivables Manag and ask them to investigate and remove the inaccurate account on my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they not have been able to provide such proof.

  This is a violation of the Fair credit reporting act.  this dispute item may not appear on my credit report if they cannot verified by any evidence or proof.

   

  Business Response

  Date: 09/05/2023

  Source Receivables Management has reviewed the consumer
  complaint. We are a third-party collections agency that was hired by ********
  to collect on the past due balance of $804.43 for the account ending in ****.
  We do not purchase or own any debt. We are working on behalf of ********. There
  is no contract between the consumer and Source Receivables Management. This
  ******** account was opened under the name ******* ******* on 8/16/2020 and
  cancelled on 12/26/2021 due to non-payment. The last payment made was on
  9/17/2021 for $192.00. Please be advised that this account has been updated as
  disputed. 

• Initial Complaint

  Date:08/25/2023

  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 am not liable for this debt with ******, I do not have a contract with SOURCE RECEIVABLES MANAGEMENT, they did not provide me with the original contract as I requested

  Customer Answer

  Date: 08/28/2023

  Had issues attaching file but this was the letter addressed to Source Receivables Management.

  ****** ************
  **** ***** ****** ******** *** *****
  ** *** **** *********** ** *****
  
  
  Dear Source Receivables Management,
  This is the first i’ve heard from you, or any other company on this matter therefore, in accordance with section 809- validating debts of the fair debt collection practices act, I respectfully request you provide me, in writing, the following:
  What money you say i owe is for;
  Explain and show me how you calculated what you say i owe;
  Provide me with copies of any papers that show I agreed to pay what you say I owe;
  Identity the original creditor;
  Provide a verification or copy of any judgment (if applicable);
  Show me that you are licensed in my state, and provide me with your license numbers (if applicable).
  Be advised that I am fully aware of my rights under the fair debt collection practices act and the fair credit reporting act. For instance, I know that:
  You cannot add interest or fees except those allowed by the original contract and state law.
  You do not have to respond to this dispute except to tell me that you either intend to cease your collection efforts or to pursue other legal means of collecting this debt.
  Should you pursue a judgment without validating this debt, I will inform the judge and your case will be dismissed based on your failure to follow the FDCPA.
  Any attempt to collect this debt without validating it, violates the FDCPA. Be advised that I intend to record all phone calls, keep all correspondence and will not hesitate to report violations to my state attorney general , the federal trade commission and the better business bureau.
  I have disputed this debt; therefore, until validated you know your information concerning this debt is inaccurate. Thus,if you have already reported this debt to any credit-reporting agency (CRA) or credit bureau (CB) then, you must immediately inform them this debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2.
  If you do not own the rights to collect this debt, I demand that you immediately send a copy of this dispute letter to the original creditor that you say I owe money to so they are also aware of my dispute with this debt.
  Finally, in accordance with section 805(c) - ceasing collections of the fair debt collection act , do not contact me about this or any other matter, except by official mail and then only to advise me that your debt collection efforts are being terminated or that you are taking specific actions allowed by law.
  

  
  

  Business Response

  Date: 09/01/2023

  Source Receivables Management has reviewed the consumer
  complaint. We are a third-party collections agency that was hired by ****** to
  collect on the past due balance of $1001.30 for the account ending in ****. We
  do not purchase or own any debt. We are working on behalf of ******* This
  account was opened on 1/12/2015. The last payment made was on 12/22/2021 for
  $100.00. The email on the account is i*******************.
  Please see the attached contracts for devices that were leased and not paid off/returned
  with ******. 

• Initial Complaint

  Date:08/23/2023

  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.

  An account was paid off associated with this company. This company has done business with ******** in regards to collections and Receivables. When requesting documentation that the account was paid off, there has been no release of interest or documentation stating the following information regarding the account:
  **** *********** name, full or partial account number, current date, and the current balance.
  
  The documentation is to be on one page as well as with the following account number.
  This information is regards to the account Source Receivables Management, LLC had business with:
  
  Source Receivables Management ******** ******** *** *** **** *** ****

  Business Response

  Date: 08/24/2023

  Source Receivables Management has reviewed the consumer
  complaint. We are a third-party collections agency that was hired by ********
  to collect on this past-due account. This account has been recalled by our
  client as a payment was made directly to ******** on 8/15/2023. Please allow
  30-45 business days for this to be updated to the credit bureaus. 

  Customer Answer

  Date: 08/24/2023

   I am rejecting this response because: you need to send in writing that you are no longer working with ********. With a company letter head on the letter. 
  
  
  
  
  
  

• Initial Complaint

  Date:08/15/2023

  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 have recently took efforts to fix my credit after seeing i have a couple accounts that are not authorized or signed or opened by me. I am a victim of identity theft and have done everything i need to do to protect myself this day forward.
  15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
  I demand this company deletes the folowing information off of my credit report in reasonable time or lawsuit may be commenced against the company if they do not follow federal guidelines per identity theft. i will include a copy of my identity affidavit. An investigation is currently underway.
  
  account number: ********

  Business Response

  Date: 08/21/2023

  Source Receivables Management has reviewed the consumer
  complaint. We are a third-party collections agency that that was hired by
  ****** to collect on the past due balance of $290.28 for the account ending in
  ****. This account was opened since 7/17/2014. The last payment made was for
  $160.97 on 1/11/2022. The email on the account is **********************. This account
  does not appear to be fraud. If the consumer believes that this account was
  opened fraudulently then a fraud form will need to be filled out. This can be
  found at ******************************************************
  This account will be updated as disputed. Once the fraud form is completed in
  its entirety, ****** will investigate the account and reach out to the consumer
  with their findings. 

  Customer Answer

  Date: 08/22/2023

   I am rejecting this response because:
  
  
  
  
  Please do not close this dispute as I do not accept the
  response.  To ensure that the
  non-creditor report only 100% accurate credit information. Every step must be
  taken to assure the information reported is completely accurate and correct.
  The following information therefore needs to be reinvestigated.
  I respectfully requested to be provided proof of this alleged
  item, specifically the original application, contract, note, or other
  instrument bearing my signature.  The
  non-creditor stated they will send the requested information in the mail
  however I feel as this is a stall tactic on their behalf, and I believe it to
  be a blatant violation of the FCRA.  AS I HAVE STATED, THIS ACCOUNT WAS FRAUDULANTLY OPENED. THE EMAIL THEY HAVE PROVIDED IS NOT MINE NOR HAVE I EVER HAD ASSOCIATION WITH THAT EMAIL. THAT DOES NOT CREDIT WHETHER THE ACCOUNT PRESUMES TO BE FRAUDULANT OR NOT, COMMON SENSE.
  
  In addition please provide the contract signed between Source Receivables Management & SPRINT,
  notarized and sworn under penalty and perjury for Source Receivables Management ability to
  collect this alleged debt.
  
  The non-creditor advised that they have sent me records via mail
  in the past explaining this debt however I never received these alleged
  documents.  Were these documents mailed
  certified mail?  I don’t believe this non
  creditor and feel that they are not being honest . Please send all validating
  records through the BBB and certified mail to my address.  I have uploaded a copy of my ID showing my
  mailing address.  
  

• Initial Complaint

  Date:08/12/2023

  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 am not liable for this debt with ******. I do not have a contract with Source Receivables Management they did not provide me with the original contract as I requested.

  Customer Answer

  Date: 08/13/2023

  Request sent to company attached

  Business Response

  Date: 08/15/2023

  Source Receivables Management has reviewed the consumer
  complaint. We are a third-party collections agency that was hired by ****** to
  collect on the past due balance of $598.63 for the account ending in ****. This
  account was opened on 5/19/2019 and had been open for about 2 years. The last
  payment made was on 6/5/2021 in the amount of $200.61. The email on the account
  is ********************. Two items were
  leased to the consumer by ****** on 9/28/2020. The contract numbers are
  ************* and *************. 

  Customer Answer

  Date: 08/15/2023

   I am rejecting this response because:
  
  Business still did not provide original contract as requested. I do not have contract with Source Receivables Management. ****** is in violation of using and selling my private information for monetary gain. I am not liable for any balance with ******.I refuse to pay alleged debt and I’m requesting the company delete this from my report. 
  
  
  

  Business Response

  Date: 08/21/2023

  Source Receivables Management has reviewed the consumer rejection
  to our previous response. Firstly, we would like to address the consumer
  stating that ****** sold consumer information. Source Receivables Management
  does not purchase debt or consumer information. We work as a third-party
  collections agency that was hired by ****** to collect on the past due balance.
  Attached are two contracts signed by the consumer. 

  Customer Answer

  Date: 08/21/2023

   I am rejecting this response because:
  I am not receiving what I requesting from company. They are a third party trying to collect a “alleged debt” from ******. I am requesting for you to please provide a contract between Source Receivables Management and ******** *******. If no contract exists which it does not please delete from my credit. Also please send a validation of debt with an explanation of how the debt was validated. A billing statement is not a validation of a debt Source Receivables Management does not have any permissible purpose to collect on an alleged debt and should delete account immediately. 

• Initial Complaint

  Date:08/12/2023

  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 am not liable for this debt with Source Receiveable Management. I do not have a contract with Source Receiveable Management.They did provide me with the original contract as requested. This company is attempting to force me to do business with them. They are attempting extortion by negatively reporting to the credit bureaus. This has and continues to cause my family hardships, such as getting denied for credit, home loans, vehicles and renting apparments.
  
  Please remove this from my credit report.

  Customer Answer

  Date: 08/14/2023

  Hello, please see attached for the letter submitted to Source Receivables Management for clarification. 

   

  Thank you

  
  

  Business Response

  Date: 08/21/2023

  Source Receivables Management has reviewed the consumer complaint.
  We are a third-party collections agency that was hired by ****** to collect on
  the past due balance of $1216.74 for the account ending in ****. This account
  was opened on 8/21/2016. The last payment made was on 12/2/2019 for $262.35.
  The email where invoices were being sent is **********************. Attached are
  two contracts for devices leased from ******. When service starts with ******,
  the consumer agrees to ******’ terms and conditions. ******’s terms and conditions
  state that “You must pay the full
  amount of your bill on the due date. If we do not receive payment in full by
  the due date, you may be assessed a late fee, which may be charged at the
  highest rate permissible by law and may be applied to the total unpaid balance.
  If we use a collection agency to collect unpaid balances from you, we may charge you for those costs.” The
  terms and conditions also state “You expressly authorize, and specifically
  consent to allowing, ****** and any of ******’s agents to contact you in
  connection with any and all matters relating to unpaid past due charges you owe
  ******. You agree that, for attempts to collect unpaid past due charges, ****** and any of its agents may contact you at any mailing
  address, telephone number, cellular phone number, email address, or any other
  electronic address that you have provided, or may in the future provide, to
  ******. You agree and acknowledge that any e-mail address or any other
  electronic address that you provide to ****** is your private address and is
  not accessible to unauthorized third parties. For attempts to collect unpaid
  charges, you agree that in addition to individual persons attempting to
  communicate directly with you, any type of contact described above may be made
  using, among other methods, pre-recorded or artificial voice messages delivered
  by an automatic telephone dialing system, pre-set e-mail messages delivered by
  an automatic e-mailing system, or any other pre-set electronic messages
  delivered by any other automatic electronic messaging system.” We do
  have a right to collect this debt. The amount is due and owed. 

  Customer Answer

  Date: 08/23/2023

   I am rejecting this response because:

  I have reviewed the statements and documents attachment.   Sir, the signatures on the documents  that you have provided are not my signature. Please provide an original contract with all of the parties signatures including mine.

  
  I do not want to do business with you and yet, you are forcing me to do so. You have provided false documents that you claim I agreed to.  I dont know who you are.   You are not entitled to collect on this alledged debt you say is owed. 
  
  
  Please provide me with more clarification. 
  
  
  Please send me proof of change of ownership of the alleged debt and include proof of assignment for each change in ownership.  Proof of chain in ownership must be from the original creditor to the current alleged owner (your company) without any break in chain.
  
  
  Also include a full accounting history from the original creditor including the date and the amount of each payment and date of first delinquency leading to the collection status.
  
  
  If any interest or fees have been accured or been added onto the balance please send proof that such fee's are lawful and agrred upon on the original purchase agreement (with my signature).
  
  
  Proof that you are legally allowed to collect on alleged debts in the state of **********, including your Third party Debt Collection Bond.
  
  
  In addition, please send proof that you sent the legally required notices to me before reporting this alledged debt to any consumer reporting agencys. Including copies of the original notice and any letter tracking your company maintains. *** *** ******* ******** ******* makes it clear that it" debt parking without proper notice is a violation of consumer rights.
  
  
  

  You are attempting extortion by negatively reporting to the credit bureaus. This has and continues to cause my family hardships, such as getting denied for credit, credit cards, types of home loans, vehicles and renting apparments. Remove this from my credit report immediately or further leagl action will be utilized.