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:10/14/2022

  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.