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:10/25/2022

  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 am not liable for this debt with 11 * ****** *** INC and I do not have a contract with SOURCE RECEIVABLES MNG plus they did not provide me with the original application as I asked.
  Account No: ********
  Amount Disputed: $2,767.00

  Business Response

  Date: 10/26/2022

  We have received and reviewed the consumer complaint stating
  he is not liable for this debt with us, has no contract with us, and that we
  failed to validate this debt and wants his account deleted from the consumer
  reporting agencies. Source Receivables Management received this account
  from the creditor (********) on 07/12/2022 because they believe this account to
  be valid and owed. Please be advised that Source Receivables Management was
  hired by ******** to collect on this account balance, however, does not own the
  debt. We mailed him out a First Notice/Validation Notice on 07/13/2022.
  This notice advised the consumer that this account had been placed with our
  office and provided him rights to both dispute the debt and/or request to us in
  writing within 30 days, validation of the debt. This letter was mailed to the
  address on file and was not returned to our office as undeliverable, therefore
  we believe him to have received it. We were not sent a written request for
  validation as alleged in this complaint. Be advised he is well outside of his
  validation period therefore we have no legal obligation to supply anything
  further. Although we have no legal obligation to supply anything further,
  please see the attached validation documentation explaining the charges owed on
  this account. At this time his account is believed to be valid and owed therefore
  we are unable to delete it from the consumer reporting agencies. We will
  however report this account as disputed going forward. Please see the attached ********
  Terms and Conditions which one accepts when activating and/or using ********
  service. These terms and conditions allow ******** to send delinquent accounts
  to third party agencies for collections. These terms and conditions further
  state if one does not agree they are not to activate and/or use their service.
  Service was activated and used therefore he agreed to these terms and
  conditions. We hope we have helped resolve the consumer’s complaint. We are a
  professional debt collector; however, this communication is for the sole
  purpose of responding to your complaint and is NOT an attempt to collect a debt.

• Initial Complaint

  Date:10/22/2022

  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 am not liable for this debt with Source Receivables Management and do not have a contract with them. They did not provide me with any original documents or signatures like I asked. This debt was not properly validated. I had medial insurance at the time.

  Business Response

  Date: 10/24/2022

  We have received and reviewed the consumer complaint stating
  that he has no contract with us, and that we failed to validate this debt and he
  wants his account deleted from the consumer reporting agencies. Source
  Receivables Management received this account from the creditor (******) on 01/16/2021
  because they believe this account to be valid and owed. Please be advised that
  Source Receivables Management was hired by ****** to collect on this account
  balance, however, does not own the debt. We mailed him out a First
  Notice/Validation Notice on 01/19/2021. This notice advised the consumer that
  this account had been placed with our office and provided him rights to both
  dispute the debt and/or request to us in writing within 30 days, validation of
  the debt. This letter was mailed to the address on file and was not returned to
  our office as undeliverable, therefore we believe him to have received it. We
  were not sent a written request for validation until 08/08/2022 which was well
  outside of his validation period. Even though we had no legal obligation to supply
  anything further at this point he was mailed out validation documentation on
  08/31/2022. At this time his account is believed to be valid and owed therefore
  we are unable to delete it from the consumer reporting agencies. We will
  however continue to report this account as disputed. Please see the attached
  ****** Terms and Conditions which one accepts when activating and/or using
  ****** service. These terms and conditions allow ****** to send delinquent
  accounts to third party agencies for collections. These terms and conditions
  further state if one does not agree they are not to activate and/or use their
  service. Service was activated and used therefore these terms and conditions
  were accepted. We hope we have helped resolve the consumer’s
  complaint. We are a professional debt collector; however, this communication is
  for the sole purpose of responding to your complaint and is NOT an attempt to
  collect a debt.

• Initial Complaint

  Date:10/14/2022

  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.

  In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
  
  15 U.S.C 1681 section 602 A. States I have the right to privacy.
  
  15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a 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 1692C

  Business Response

  Date: 10/17/2022

  We have received and reviewed the consumer complaint stating that
  we have this account and credit reported it without his consent and he wants us
  to cease and desist and delete his account from the consumer reporting
  agencies. Source Receivables Management received this account from the creditor
  (******) on 08/29/2022. Source Receivables Management was hired by ****** to
  collect on this account balance, however, does not own the debt. ****** is the
  original and current creditor. We work on their behalf. We mailed him out a
  First Notice/Validation Notice on 09/02/2022 to the address on file. This
  notice advised the consumer that his account had been placed with our office
  and provided his rights to both dispute the debt and/or request to us in
  writing within 30 days, verification of the debt. We were not sent a written
  request for verification. Please be advised the account is believed to be valid
  an owed therefore we are unable to delete it from the consumer reporting
  agencies while placed with our office. We will however report his account as
  disputed going forward. We will also cease and desist per his request but be
  advised that will not make this debt go away. Please see the attached ******
  Terms and Conditions which he agreed to when activating and using ******
  service. These terms and conditions allow ****** to send delinquent accounts to
  third party agencies for collections. These terms and conditions also include
  their privacy notice which allows these third-party agencies to credit report
  on their behalf. These terms and conditions further state if one does not agree
  they are not to activate and/or use their service. We hope we have helped
  resolve the consumer’s complaint. We are a professional debt collector;
  however, this communication is for the sole purpose of responding to your
  complaint and is NOT an attempt to collect a debt.

  Customer Answer

  Date: 10/17/2022

   I am rejecting this response because:
  
  
  
  
  You can clearly see there is no written instructions with my name any where on the provided document the business has provided…. This company has abused my rights In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
  
  
  15 U.S.C 1681 section 602 A. States I have the right to privacy.
  
  
  15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a 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 1692C

• Initial Complaint

  Date:09/29/2022

  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 am not liable for this debt with SOURCE RECEIVABLES Management and do not have contact with them.
  They did not provide me with the original application like I asked.

  Business Response

  Date: 09/30/2022

  We have received and reviewed the consumer complaint stating
  that we did not validate her debt upon her request and that she has no contract
  with us, and she wants this account deleted from the consumer reporting
  agencies. Source Receivables Management received this account from the
  creditor (******) on 12/05/2021 because they believe this account to be valid
  and owed. Please be advised that Source Receivables Management was hired by
  ****** to collect on this account balance, however, does not own the debt. We
  mailed her out a First Notice/Validation Notice on 12/09/2021. This notice
  advised the consumer that this account had been placed with our office and
  provided her rights to both dispute the debt and/or request to us in writing
  within 30 days, verification of the debt. On 01/20/2022 we received her request
  for verification in which we mailed her out verification of the debt pursuant
  to FDCPA. This was mailed to her on 01/21/2022. In ******’s Terms &
  Conditions it is states in the event of default ****** reserves the right to
  employ a third-party collections agency. These terms & conditions are
  provided to all ****** customers and are accepted with activation and use of
  service. These terms and conditions further explain that if one is not in
  agreeance they are not to activate and/or use ****** service. This consumer did
  activate and use ****** service from 04/19/2015 through date of delinquency
  which was 10/23/2020.  At this time her
  account is believed to be valid and owed therefore we are unable to delete it
  from the consumer reporting agencies while placed with our office. We will
  however continue to report her account as disputed though. We
  hope we have helped resolve the consumer’s complaint. We are a professional
  debt collector; however, this communication is for the sole purpose of
  responding to your complaint and is NOT an attempt to collect a debt.

  Customer Answer

  Date: 09/30/2022

   I am rejecting this response because:
  
  
  
  
  This isn’t proof that it’s mine. 
  

• Initial Complaint

  Date:09/23/2022

  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 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: 09/23/2022

  We have received and reviewed the consumer complaint stating
  that we did not validate her debt upon her request and that she has no contract
  with us, and she wants this account deleted from the consumer reporting
  agencies. Source Receivables Management received this account from the
  creditor (******) on 03/18/2021 because they believe this account to be valid
  and owed. Please be advised that Source Receivables Management was hired by
  ****** to collect on this account balance, however, does not own the debt. We
  mailed her out a First Notice/Validation Notice on 03/23/2021. This notice
  advised the consumer that this account had been placed with our office and
  provided her rights to both dispute the debt and/or request to us in writing
  within 30 days, validation of the debt. We were never sent a written request
  for validation as alleged. We were sent a generic dispute sent in via the
  consumer reporting agencies in which we did mail her out verification of the
  debt pursuant to FDCPA. Be advised her validation period has long expired,
  however if she sends a written request to our office, we will send her more
  validation documentation. In ******’s Terms & Conditions it is states in
  the event of default ****** reserves the right to employ a third-party
  collections agency. These terms & conditions are provided to all ******
  customers and are accepted with activation and use of service. These terms and
  conditions also give the agency the right to credit report the debt on behalf
  of ******. These terms and conditions further explain that if one is not in
  agreeance they are not to activate and/or use ****** service. This consumer did
  activate and use ****** service from 10/11/2019 through 02/14/2020.  At this time her account is believed to be
  valid and owed therefore we are unable to delete it from the consumer reporting
  agencies while placed with our office. We will however continue to report her
  account as disputed though. We hope we have helped resolve the
  consumer’s complaint. We are a professional debt collector; however, this
  communication is for the sole purpose of responding to your complaint and is
  NOT an attempt to collect a
  debt. NC Permit # 112646

  Customer Answer

  Date: 09/23/2022

   I am rejecting this response because:
  
  
  
  
  
  

• Initial Complaint

  Date:09/18/2022

  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 recently checked my credit report and noticed an account with Source Receivable Mangagement reporting in which I had never opened so I sent Source Receivable Mangagement a debt validation and cease and desist letter. I then filed a FTC report. Source Receivable Mangagement has been negligent and has not responded or validated this fraudulent account or stopped the negative reporting to the consumer reporting agencies. This has caused my reputation great harm. I never signed a contract with Source Receivable Mangagement or authorized them to share my information with third parties. Source Receivable Mangagement is in violation of the 15 USC 1692g (b) because they are still reporting this negative account even though they haven't validated the debt. I have filed a complaint with the attorney's general and the CFPB

  Business Response

  Date: 09/19/2022

  We have received and reviewed the consumer complaint stating
  we are reporting an account she never opened and that we never responded to her
  disputes, requests for validation and FTC Fraud Affidavit and she wants us to delete
  this account from the consumer reporting agencies. Source Receivables
  Management received this account from the creditor (******) on 04/08/2021
  because they believe this account to be valid and owed. Please be advised that
  Source Receivables Management was hired by ****** to collect on this account
  balance, however, does not own the debt. We mailed her out a First Notice/Validation
  Notice on 04/13/2021. This notice advised the consumer that this account had
  been placed with our office and provided her rights to both dispute the debt
  and/or request to us in writing within 30 days, validation of the debt. This
  letter was mailed to the address on file and was not returned to our office as
  undeliverable, therefore we believe her to have received it. We were not sent a
  written request for validation as alleged. The only correspondence we ever received
  on this account was her generic dispute sent in via the consumer reporting agencies
  on 01/17/2022 in which we mailed her out verification of the debt pursuant to
  FDCPA on 01/18/2022. We are unsure where she sent the letters attached in her
  complaint as they were never received by our office. Be advised this account is
  no longer being serviced by our office therefore Ms. Lockwood will need to get
  with the creditor at this point. Since this account is no longer in our office,
  we have already submitted a deletion request to the consumer reporting
  agencies. Be advised it may take the consumer reporting agencies 30 to 45 days
  to update their records which is beyond our control. We hope we have helped
  resolve the consumer’s complaint. We are a professional debt collector; however,
  this communication is for the sole purpose of responding to your complaint and
  is NOT an attempt to collect a debt. 

• Initial Complaint

  Date:09/04/2022

  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.

  ****** communication sold my account to this company. Its the second company that has a negative impact on my credit report the sum of $423.00. ****** has sold my account to 1. I.C. System, 2. Source Receivables management, and 3. Diversified Adjustment. All the collection agency hit my credit report at one time and causing my credit score to go down.

  Business Response

  Date: 09/05/2022

  We have received and reviewed the consumer complaint stating
  that we bought this account along with two other companies and we are all reporting
  this same debt at the same time, and she wants this account to no longer be
  sold and deleted from the consumer reporting agencies. The account she is
  referencing was placed in our office for collections by the creditor (******)
  on 04/20/2022. Source Receivables Management was hired by ****** to collect on
  this account; however, Source RM does not own this debt. ****** is the original
  and the current creditor. On 04/26/2022 we mailed out a validation notice to
  the address on file. This validation notice had basic information about the
  debt and went over her rights to dispute the debt and her timeframe to request
  validation documentation in writing which was within 30 days.  Be advised we were never sent a written
  request for validation. As for her allegations that we bought the debt be
  advised we do not buy debt. We work on behalf of ****** and were sent this
  account to collect on because ****** believes it to be valid and owed. ******
  only sends accounts to one agency at a time therefore we should be the only
  company collecting on this debt and reporting it as of 04/20/2022. If Ms. *****
  is showing any other company reporting this debt, she must contact them as we
  are not affiliated with those other agencies and since the account is in our office,
  we have the right to credit report on ******’s behalf per their terms and
  condition which she accepted when she activated and used their service on
  11/17/2015. Please be advised that this account is believed to be valid and
  owed therefore Source Receivables Management is unable to delete this account
  from the consumer reporting agencies while placed with our office. We will
  however report this account as disputed by consumer. Again, if any other
  company is reporting this account, she must contact them as no one else should
  be reporting this account except us since her account is placed with our
  office. We hope we have helped resolve this consumer complaint. We are a
  professional debt collector; however, this communication is for the sole
  purpose of responding to your complaint and is NOT an attempt to collect a
  debt.

• Initial Complaint

  Date:09/01/2022

  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.

  Source receivables management #****** you are reporting inaccurate and unverifiable information on my credit profile. You have not provided information that i owe this alleged debt. I REQUEST FOR A FULL DISCLOSER OF THIS DEBT AND I HAVE NOT RECEIVED ANY INFORMATION ABOUT THIS ALLEGED DEBT. I have not received the original contract or any information about this debt.
  
  CEASE AND DESIST ALL REPORTING OF THIS DEBT.
  
  DELETED ASAP

  Business Response

  Date: 09/01/2022

  We have received and reviewed the consumer complaint stating that
  we failed to validate her debt upon written request, and she wants validation
  and something with her signature and this account deleted from the consumer
  reporting agencies. Source Receivables Management received this account from
  the creditor (********) on 07/02/2022. Source Receivables Management was hired
  by ******** to collect on this account balance, however, does not own the debt.
  We mailed her out a First Notice/Validation Notice on 07/08/2022 to the address
  on file which matches the address she has listed as hers in this complaint.
  This notice advised the consumer that this account had been placed with our
  office and provided her rights to both dispute the debt and/or request to us in
  writing within 30 days, verification of the debt. We were not sent a written
  request for validation as alleged therefore we have no legal obligation to
  supply anything further; however please see the attached validation
  documentation from the creditor explaining the charges owed on her account.  Since the account is believed to be valid and
  owed, we are unable to delete this account from the consumer reporting
  agencies. We will update this account with the consumer reporting agencies as
  disputed though. Be advised the consumer reporting agencies may take 30 to 45
  days to update their records which is beyond our control. We hope we have
  helped resolve the consumer’s complaint. We are a professional debt collector;
  however, this communication is for the sole purpose of responding to your
  complaint and is NOT an attempt to collect a debt.

• Initial Complaint

  Date:08/25/2022

  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 called this company August 25 22, the woman I spoke to was quite rude and wanting to get the full amount that was due and wanted to know why I couldn’t do that. I told her I wanted to set up a payment plan. I said I could pay $75 per month but she said it would have to be e very 2 weeks. She also said it needed to be paid off in a year. When I told her I just could not afford that she hung up on me. So it would seem that they didn’t even want to make a payment plan for me

  Business Response

  Date: 08/26/2022

  We have received and reviewed the consumer complaint stating
  that our agent was rude and hung up and would not allow her to make $75.00 per
  month payments and she wants us to allow her to make $75.00 per month payments. Source Receivables Management received this account from the
  creditor (********) on 07/10/2022 because they believe this account to be valid
  and owed. Please be advised that Source Receivables Management was hired by ********
  to collect on this account balance, however, does not own the debt. We spoke
  with Ms. ******** on 08/25/2022. On this call the consumer wanted to make
  $75.00 per month payments. Our agent asked some questions to try to determine
  eligibility for a payment plan. Ms. ******** did not want to answer these
  questions and our agent explained they are standard questions to help us
  understand what kind of payment plan she could afford. Ms. ******** was not
  willing to pay any more than $75.00 per month. When an account reaches third
  party collections it is already severely delinquent with the entire amount
  being due. Source Receivables Management has no legal obligation to offer any
  payment plan, but we do this to try and ease the burden. We strive to get each
  account out of collections within 1 year. We offered her a monthly payment of
  $216.16 which she could break up biweekly if needed. Ms. ******** would not
  accept anything other than her proposed $75.00 per month.  Our compliance team pulled and reviewed the
  call and did not find the agent to be rude. Our agent did terminate the call
  but advised Ms. ******** she was doing so as our agent was not able to speak
  towards the end of the call. Ms. ******** is free to contact our office at
  877-251-3775 and speak with the collections manager Ron M***** to see if we can
  offer any better payment options to help her out. We hope we have helped
  resolve the consumer’s complaint. We are a professional debt collector; however,
  this communication is for the sole purpose of responding to your complaint and
  is NOT an attempt to collect a debt.

  Customer Answer

  Date: 08/31/2022

   I am rejecting this response because:
  
  
  
  
  I offered to make payments every month. And it was turned down because it was not enough. I offered to pay what I could afford to pay every month. I certainly cannot afford to pay $200 a month. And I reject the thought that the agent was not rude because she absolutely was. And the reason she hung up was because I could not commit myself to be able to pay any more than $75 a month.

• Initial Complaint

  Date:08/21/2022

  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.

  My identity has been compromised after I had learned these past few weeks from my credit report that someone has been using and changing my information eg address to tons of multiple different addresses. I also noticed accounts which I never opened, inquiries I never made & iterations to my name such as ******* ****** ******** I also found this account that I believe not mine:
  
  Acct name: SOURCE RECVB (Original Creditor: 11 ******)
  acct no. ******** date opened 12/01/2021
  balance $194.00
  
  I am not liable for this debt and I do not have a contract with:
  Company: SOURCE RECEIVABLES MANAG
  Address: PO BOX 4068 GREENSBORO, NC 27404
  Tel No: (336) 358-4949
  
  Police Report and FTC Affidavit are attached with this complaint together with dispute letter sent to the bureaus. I also filed complaints thru CFPB.
  
  Please delete this account from my credit report at once. Any questions or concerns I can be reached at *** * ******** *** ******** ** ********** and email at *************************.
  
  I need a response from the company.

  Business Response

  Date: 08/22/2022

  We have received and reviewed the consumer complaint stating
  that this account is not her and she wants the account deleted from the
  consumer reporting agencies. Source Receivables Management
  received this account from the creditor (******) on 12/15/2021. Please be
  advised that Source Receivables Management was hired by ****** to collect on
  this account balance, however, does not own the debt. Also be advised that this
  account was placed in our office since ****** believes it to be valid and owed.
  ****** does not accept the FTC Fraud Affidavit and does require their own fraud
  packet to be completed and returned to them. For her convenience we have
  attached one to this response. ****** will require a police report and other
  documentation as outlined within this packet so be sure to complete the packet
  and send everything requested. Failure to do so could result in no fraud
  investigation to take place by the creditor. Once ****** receives this
  completed fraud packet, police report and all requested documentation they will
  investigate the account for fraud. Once the investigation is concluded ******
  will reach out directly to Mr. ******** with their findings. If the account is
  determined to be fraud ****** will close the account and any credit reporting
  done on their behalf will be deleted. In the meantime, we will continue report
  this account as disputed.  We hope we
  have helped resolve the consumer’s complaint. We are a professional debt
  collector; however, this communication is for the sole purpose of responding to
  your complaint and is NOT an attempt to collect a debt.