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:03/19/2023

  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 have told this company (source Receivables management) more than once the debt that they are trying to Aquire belongs to ********/****** the Galaxy S9 was stolen and not rebated by the ****** employee. There is no police report this was an internal theft/fraudulent transaction between companies. This is affecting my credit score and report and needs to be removed Immediately. I am in contact with Alice ***** an executive with ******** : her contact number and email is ***** *******1 Alice.*****@********.com for all and any information about the resolution of the debt that ******** and I have agreed to should be referred to her and the ******** executives.

  Business Response

  Date: 03/20/2023

  Source
  Receivables Management has reviewed the complaint from the consumer. ********
  has credited this account in full. Please allow 30-45 days for this to be reflected
  on your credit.

  Customer Answer

  Date: 03/22/2023

  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and I accept it.

• Initial Complaint

  Date:03/16/2023

  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 ****** and do not have a contract with SOURCE RECEIVABLES MANAGEMENT. They did not provide me with the original application like I asked.

  Business Response

  Date: 03/16/2023

  Source Receivables Management has reviewed the complaint
  from the consumer. Firstly, Source Receivables Management is a third-party
  collections agency that was hired by ****** to collect on past due accounts. We
  do not own or purchase any debt. This account, ending in ****, was placed in
  our agency with a balance of $1357.50. I have attached a signed contract with
  ******. Please also be advised a fraud packet was sent out in November of 2021
  and not returned. If the consumer believes this is fraud, a fraud packet will
  have to filled out and returned to ****** so that ****** may investigate the
  allegation. We have attached the fraud packet here for the consumer’s
  convenience.  

  Customer Answer

  Date: 03/16/2023

   I am rejecting this response because:
  
  
  
  
  I have never see this contract nor have I ever done business with this company. That is NOT my signature on the contract and I have not signed a contract with this company. In fact there is no signature at all. I DEMAND this be removed or I will be filing a lawsuit next against both Source Receivables Management and the Better Business Bureau for false and illegal reporting. 

• Initial Complaint

  Date:03/15/2023

  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 am not liable for this debt with ****** and do not have a contract with convergent. They do not provide me with the original application like I asked.

  Business Response

  Date: 03/16/2023

  Source Receivables Management has reviewed the complaint
  from the consumer. Firstly, Source Receivables Management is a third-party
  collections agency that was hired by ****** to collect on past due accounts. We
  do not own or purchase any debt. This account, ending in ****, was placed in
  our agency with a balance of $1610.90. The account was opened on 8/17/2018. The
  last payment was on 7/7/2021 for $101.76. The email on the account is **********************. Attached is a
  signed contracts with ******. There are two other open contracts that can’t be attached
  to the complaint due to sizing contraints. Please be advised we will report
  this account as disputed unless noted otherwise.

• Initial Complaint

  Date:03/12/2023

  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.

  SOURCES RECEIVABLES MANAGEMENT is falsely reporting on my credit. Per my research SOURCES RECEIVABLES MANAGEMENT is a debt collector. Under 15 U.S code 1681d disclosure of investigation violation violation below: A person may not procure or cause to be prepared and investigate consumer report (1) It is clearly and accurately disclosed to the consumer that and 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 writing mailed or otherwise delivered to the consumer not later than 3 days after the date on which the report was first requested I requested to be provided proof of this alleged item, specifically the original contract bearing my signature with SOURCES RECEIVABLES MANAGEMENT. I’m requesting that this is deleted from my credit report as soon as possible. Under federal law you have 30 days for reinvestigation I will also be seeking $1,000 per violation for: 1: Defamation 2: Negligent Enablement of Identity Fraud 3: Violations of 15 U S C 1692g

  Business Response

  Date: 03/13/2023

  Source
  Receivables Management has reviewed the complaint from the consumer. Firstly,
  Source Receivables Management is a third-party collections agency that was
  hired by ******** to collect on past due accounts. We do not own or purchase
  any debt. A contract between Source Receivables Management and the consumer
  does not have to exist for us to collect on the debt. When a consumer accepts ********’s
  terms and conditions, they give ******** the right to send their account to an
  outside agency if they fail to pay. A copy of the terms and conditions can be
  found at *******************************************************************
  As a
  collection agency, Source Receivables Management has a right to report the
  account to the credit bureaus. According to the CFPB:
  “Before
  a debt collector can report your debt to a credit reporting company, the debt
  collector must do any one of the following:
  Speak with you in person about the
  debt,
  Speak with you by telephone about
  the debt,
  Mail you a letter about the debt and
  wait a reasonable amount of time (generally 14 days) for a notice that the
  letter wasn’t delivered, or
  Send you an electronic communication
  about the debt and wait a reasonable amount of time (generally 14 days)
  for a notice that the message wasn’t delivered.
  If a debt
  collector sends you a validation notice about
  a debt, it means they have satisfied their requirement to contact you and, in
  general, can begin to report the debt to credit reporting companies.”
  We mailed out
  a validation notice notifying the consumer of the debt on 10/28/2022. This
  account was opened on 7/13/2020 and cancelled on 3/23/2021. The last payment on
  the account was for $56.83 on 1/22/2021. The email on the account is the same
  email as in this complaint: *******************.
  Source
  Receivables Management believes that it is operating in compliance with both
  the FDCPA and the FCRA. If the consumer believes this account was opened fraudulently,
  we will report the account as disputed. A fraud packet will need to be filled
  out and returned to ******** in order for an investigation of the account to be conducted. The fraud packet is attached.

  Customer Answer

  Date: 03/13/2023

   I am rejecting this response because:
  
  I’ve been incarcerated since 2020 and attached is proof of incarceration and identity
  

• Initial Complaint

  Date:03/09/2023

  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.

  DATE 3/9/23
  
  Source Receivables Management
  **** ****** *** *********** ** *****  Source Receivables Management- ********
  I am in receipt of your company’s letter informing me you’re handling the collection of the accounts mentioned above. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between (Source Receivables Management} and me which makes you a person entitled to enforce a commercial claim against me. This letter is NOT a request for verification or validation.
  This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract, with my signature specifically naming YOUR company as a person entitled to enforce a commercial claim against me . Certifications can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question.
  Failure to respond and provide strict proof of contract will constitute your tactic agreement that you, Source Receivables Management are NOT entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I will file a complaint with the Attorney General and Federal Trade Commission, and file a police report against you for harassment and invasion of privacy.
  I DO NOT have any contractual obligation to pay YOU at this point as you have failed to provide ANY proof of that. A copy of an alleged bill is simply not enough satisfactory proof that I, personally, incurred this alleged debt. REQUEST ANY DEROGATORY INFORMATION REPORTED TO THE CREDIT BUREAUS BE REMOVED if I find this entry on my credit report later interferes with my ability to obtain credit with favorable terms, I will bring suit against your company and the original creditor for all applicable damages, as well as for statutory penalties provided under the FDCPA and FCRA.

  Business Response

  Date: 03/10/2023

  Source Receivables Management has reviewed the complaint from
  the consumer. Firstly, Source Receivables Management is a third-party collections
  agency that was hired by ****** to collect on past due accounts. We do not own
  or purchase any debt. A contract between Source Receivables Management and the
  consumer does not have to exist for us to collect on the debt. When a consumer accepts
  ******’s terms and conditions, they give ****** the right to send their account
  to an outside agency if they fail to pay. Attached is a signed contract for a ******
  device.
  Please refer to portions of ******’s terms and conditions
  below:
  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. If we bill you
  for amounts on behalf of a third party, payments received are first
  applied to our charges. Certain methods of payment may have additional fees.
  We may charge you, up to the highest amount permitted by law, for returned
  checks or other payments paid by you and denied for any reason by a
  financial institution. Acceptance of payments (even if marked “paid in
  full”) does not waive our right to collect all amounts that you owe us. We
  may restrict your payment methods to cashier’s check, money order, or
  other similar secure form of payment at any time for good reason.
  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. 
  
  A copy of the terms and conditions can be found at *********************************************************.
  
  As a collection agency, Source Receivables Management has a
  right to report the account to the credit bureaus. According to the CFPB:
  “Before a debt
  collector can report your debt to a credit reporting company, the debt
  collector must do any one of the following:
  Speak
  with you in person about the debt,
  Speak
  with you by telephone about the debt,
  Mail
  you a letter about the debt and wait a reasonable amount of time
  (generally 14 days) for a notice that the letter wasn’t delivered, or
  Send
  you an electronic communication about the debt and wait a reasonable
  amount of time (generally 14 days) for a notice that the message wasn’t
  delivered.
  If a debt collector sends you a validation
  notice about a debt, it means they have satisfied their
  requirement to contact you and, in general, can begin to report the debt to
  credit reporting companies.”
  We mailed out a
  validation notice, that the consumer has confirmed receipt of in their
  complaint, on 9/9/2022.
  
  Source
  Receivables Management believes that it is operating in compliance with both
  the FDCPA and the FCRA.

  Customer Answer

  Date: 03/10/2023

   I am rejecting this response because:
  
  
  
  
  
  My initial  request was VERY CLEAR YOU NEVER Provided me with a certified copy of an original contract, with my signature specifically naming your company as a person entitled to enforce a commercial claim against me . Certifications can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question.
  
  
  A copy of an alleged bill with an unknown company is simply not enough satisfactory proof that I, personally, incurred this alleged debt. REQUEST ANY DEROGATORY INFORMATION REPORTED TO THE CREDIT BUREAUS BE REMOVED if I find this entry on my credit report later interferes with my ability to obtain credit with favorable terms, I will bring suit against your company and the original creditor for all applicable damages, as well as for statutory penalties provided under the FDCPA and FCRA.
  

• Initial Complaint

  Date:03/02/2023

  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 a consumer by law. I have been disputing this alleged account reported by an unauthorized company on my credit file. I have requested documentation that proves that I had business with this collection company, But they willfully and negligently refuse to comply with my request. In violation of 15 USC 1681(a)(4) “Infringed Upon a Consumer’s right to privacy” and Under the GLBA and Under 15 U.S. Code 1681b Permissible purposes of consumer reports
  I have attached to this complaint my letter sent to the company.

  Business Response

  Date: 03/02/2023

  We have received and
  reviewed the consumer complaint. Source Receivables Management is a third-
  party collections agency that was hired by ****** to collect on past due funds.
  Source Receivables Management does not purchase or own any debt. ****** placed
  the account ending in **** with us on 1/02/23 with a balance of $955.24.
  Service for the account started September 30, 2013 and continued until 2021.
  The email on the account is *********************.
  The last payment of $177.67 was returned. The phone number on this complaint,
  ************, is the same phone associated with the ******* Smart phone
  received in 2013. This does not appear to be a fraudulent account. Attached is
  a signed open contract.  

  Customer Answer

  Date: 03/06/2023

   I am rejecting this response because:
  
  
  
  
  This company is in direct in violation of 15 U.S. Code § 6802 - Obligations with respect to disclosures of personal information in my consumer credit file and Violations under 15 USC 1681 a (4) right to privacy.

  Further, under 15 U.S. Code 1681b Permissible purposes of consumer
  reports I never gave you any written consent to report anything on my consumer
  reports. I never had any business with this collection company. 

  Also willfully not complying on my demand as a consumer by law - Pursuant to 15 USC 1692c. (c) I am
  notifying you in writing that I refuse to pay this alleged debt, and I am
  demanding that you cease all forms of communication with me through any and all
  mediums. This includes the reporting of this account in my consumer credit
  report (written communication). as per FTC, reporting in my credit file is a collection activity. 

  DELETE this account from my consumer credit file.

  You are required by law to comply.

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

  Business Response

  Date: 03/09/2023

  We have received complaints and requests for validation multiple times from this consumer. Validation of the debt has been provided and this account has been in a cease communication status since December. 

  Customer Answer

  Date: 03/12/2023

   I am rejecting this response because:
  
  

  you are directly violating my consumer rights - you are still reporting this account in my consumer credit file - CEASE and DESIST this includes reporting in my credit file which is a written communication. as per FTC guidelines, reporting this in m y consumer credit file is a collection activity.

   

  DELETE ASAP!.

  You are required by law to comply.

  Thank you.
  

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

   

   

  
  

• Initial Complaint

  Date:03/01/2023

  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 see that this is on my credit report as a collection from ******. I am not a ****** customer and have been with ******* for quite sometime. I would like to see the actual paper work that is from ****** that this company has put on my credit report

  Business Response

  Date: 03/03/2023

  We have received and reviewed the consumer complaint. Source Receivables Management is a third- party collections agency that was hired by ****** to collect on past due funds. Source Receivables Management does not purchase or own any debt. ****** placed the account ending in **** with us on 1/02/23 with a balance of $955.24. Service for the account started September 30, 2013 and continued until 2021. The email on the account is *********************. The last payment of $177.67 was returned. The phone number on this complaint, ************, is the same phone associated with the ******* Smart phone received in 2013. This does not appear to be a fraudulent account. Attached is a signed open contract.  

  Customer Answer

  Date: 03/03/2023

   I am rejecting this response because:
  
  
  The bill that is on credit report stated that the account was still active on 3/2023 and I was not s ****** customer at that time at all  and hadnt been a customer
  
  
  

• Initial Complaint

  Date:02/28/2023

  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.

  This business called me and said I owe on the account. It has been off my record for seven months. Thety said I have two accounts. How can that be?? I am unaware of this until today. (Feb 28). I won't pay what they are asking at all.

  Business Response

  Date: 03/01/2023

  We have received and reviewed the consumer complaint. Source
  Receivables Management is a third- party collections agency that was hired by ******
  to collect on past due funds. Source Receivables Management does not purchase
  or own any debt. ****** placed the account ending in **** with us on 2/21/2023.
  This account was also placed with us in 12/6/2020 but was recalled by our
  client. During the time it was with us in 2020, three $20 payments were made
  online: two on 8/23/2021 and one on 9/7/2021. When we did not receive anymore
  payment, our client ****** recalled the account. The account is now back in our
  office as due for collection. The balance on the account was $2175.69 back in
  2020. It is now $2115.69. Per consumer request, we will no longer reach out. However, please call our office at 1-877-251-3775 to work out
  a payment arrangement. Failure to pay the balance could result in a negative credit bureau reporting being submitted. 

  Customer Answer

  Date: 03/01/2023

   I am rejecting this response because:
  
  
  
  
  This account is no longer valid .    It was  cancelled in 2019.    I got a letter from Source Resource Management that it was recalled .  7 months later it comes back on my record after it was recalled by ******?   Why? I thibki that  this is in error.  Two accounts??    I have only one account and it was recalled.  Explain why I have two accounts. 

  Business Response

  Date: 03/02/2023

  If the consumer reads the response, they will understand they DO NOT have two accounts. They had one account that was recalled by ****** and THE SAME ACCOUNT was placed with our office again this year. The balance is due and owed. 

  Customer Answer

  Date: 03/02/2023

   I am rejecting this response because:
  
  
  
  
  I will not  pay!! It's been removed from my record.   

• Initial Complaint

  Date:02/27/2023

  Type:Service or Repair 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.

  This collection agency continues to call me and will not disclose why they are calling, they become abusive on phone, and they are harassing me.

  Business Response

  Date: 02/28/2023

  We have received and reviewed the consumer complaint. Source
  Receivables Management is a third- party collections agency that was hired by Sprint
  to collect on past due funds. Source Receivables Management does not purchase
  or own any debt. ****** placed the account ending in **** with us on 11/9/2022.
  Per the consumer request, we will cease and desist.

  Customer Answer

  Date: 02/28/2023

  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and I accept it.

• Initial Complaint

  Date:02/24/2023

  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.

  In accordance with the Fair Credit Reporting Act. This account has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681.15 U.SC 1681 section 602 A. States I have the right to privacy.15 U.S.C16881 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish an account without my written instructions.
  
  In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692:
  
  
  I do not have a contract with source receivables and I do not have any account on ******
  
  Account Number: *******
  Date Opened: 12/05/2022
  Past Due: $0
  
  Please remove this on my credit report

  Business Response

  Date: 02/27/2023

  We have received and reviewed the consumer complaint. Source
  Receivables Management is a third- party collections agency that was hired by ******
  to collect on past due funds. Source Receivables Management does not purchase
  or own any debt. ****** placed the account ending in **** with us on 12/5/2022
  for an account that was opened on 9/5/2019. The current balance on the account
  is $1629.10. The last payment on the account was for $386.48 on 10/15/2021. The
  email on the account is ***********************.
  The number was ported out in October. We have attached two signed lease
  agreements (there are more contracts but only two are provided), as well as
  invoices from January and February 2022. This does not seem to be fraud, but if
  the consumer believes this is fraud then a fraud packet must be filled out. The
  form can be found at **************************************************.