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:09/08/2023

  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 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:08/12/2023

  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.
  
  
  
  
  

  
  

• Initial Complaint

  Date:08/08/2023

  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 am not liable for this debt with,******. I do not have a contract with SOURCE RECEIVABLES MNG, they did not provide me with the original contract as requested. This is a violation of the Fair Credit Reporting Act, and these may not appear on my credit report if they can't be verified by any evidence or proof.

  Customer Answer

  Date: 08/10/2023

  Letter was mail to business address 30 days prior to this complaint. Business should have on file.

  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 $648.15 for the account ending in ****. This
  account was opened on 2/7/2013 and had been open for 8 years. The last payment made
  was on 7/13/2021 in the amount of $300.00. The email on the account is ************************, the same
  email on this complaint. Attached are two signed contracts for devices leased
  by the consumer and never returned/paid off. This balance is due and owed. 

• Initial Complaint

  Date:08/04/2023

  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 writing to lodge a formal complaint against Source Receivables Management for their mishandling of my credit report and their refusal to provide proper verification for an alleged debt.
  
  I am NOT responsible for the supposed debt with ****** that's tarnishing my credit report. I've been asking Source Receivables Management to show me some proof or the original application, but they've chosen to ignore me altogether.
  
  I don't have a contract with Source Receivables Management, and it's making me absolutely furious that they're messing up my credit score without showing a shred of evidence.
  
  I DEMAND that Source Receivables Management takes this seriously and investigates this alleged debt promptly. If they can't back it up with the original application or credible documentation, then they better remove this negative entry from my credit report immediately.

  Business Response

  Date: 08/08/2023

  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 $2228.53 for the account ending in ****.
  This account was opened on 2/25/2015. The email on the account is ************************. A payment
  made on the account of $227.81 was returned on 3/27/2021. Attached are signed
  contracts for  devices not completed to term.  

• Initial Complaint

  Date:08/01/2023

  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 am not liable for this debt with source receivables mng. I do not have a contract with source receivables mng. They did not provide me with the original contract as I requested

  Customer Answer

  Date: 08/02/2023

  I am not liable for this debt with source receivables mng. I do/did have or sign a contract with source receivables mng that would require me to owe them anything. When I asked for a original contract, they did not provide me with the original contract as I requested

  Customer Answer

  Date: 08/08/2023

  This was sent back in March via certified mail. 

   

   

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

   

   

   

  Source Receivables Management  

  4615 Dundas Dr, Greensboro, NC 27407

   

   

   

  Requesting Validation for Acct #: ********

   

   

  To Whom It May Concern:

   

  This letter is being sent to you in response to a listing on my credit report. This a notice to request validation. Under the Fair Debt Collections Practices Act (FDCPA), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a "verification", I am requesting a "validation;" that is, competent evidence such as a CONTRACT I signed with Source Receivables Management, that I have some contractual obligation to pay you. Please provide at least that contract or any information within 30 days from the date of your receipt of this request for validation:

   

   

  An Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor:

   

   

   

  If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

   

  Sincerely,

   

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

  Business Response

  Date: 08/09/2023

  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 $618.72 for the account ending in ***** There
  is no signed contract between the consumer and Source Receivables Management.
  We are an agency hired to collect on behalf of ******, and the consumer agreed
  to allowing ****** to do this in the case of a past due balance when they
  accepted the terms and conditions. Attached are two open contracts for devices
  leased to the consumer from ******. Please find ******’s terms and conditions *********************************************************. 

  Customer Answer

  Date: 08/09/2023

   I am rejecting this response because: wether or not I had a contract with ****** was never a point of contention. I asked for a contract from Source Receivables Management saying that I OWE THEM months ago and they never responded. Thus, I don’t owe them anything. And I would like it removed. 
  
  
  
  
  
  

• Initial Complaint

  Date:07/28/2023

  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.

  July 28,2023
  
  ****** ****** *** ********** ** ********* ** ***** **** *********** **** ********** 
  Source Receivables M
  **** ****** ** ********** ** ***** 
  According to the Fair Credit Reporting Act, Section 609(a)(1)(A), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.
  
  I demand to see Verifiable Proof (an original Consumer Contact with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
  
  I demand the following account be verified or removed immediately:
  *****
  
  Also please remove all non-account holding inquires over 30 days old and add a Promotional Suppression to my credit file.
  
  Thanks,
  
  ****** ******

  Business Response

  Date: 08/02/2023

  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 $1885.72 for the account ending in ****. This account was opened on 7/8/2020.
  The last payment made was in the amount of $207.00 on 12/31/2021. The email on
  the account is ************************.
  Attached are three contracts for devices received from ****** but were never
  returned or paid off. Please be advised that this account has been updated as
  disputed, but is valid and owed. 

• Initial Complaint

  Date:07/27/2023

  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 don’t have a contract with the agency that is trying to extort debt. This is unjustifiable harassment and this business is not BBB accredited. The records are outdated on closed consumer accounts from ****** that had a zero balance as of 2020, was suspended due to active duty orders several occurring times and they are unauthorized to collect any debt. This debt was never presented as debt in the past on a credit file by this agency and has been disputed before by others and removed from all credit bureaus. So to appear as a collateral receiver 3yrs after account was closed for a $2,981.78 is unacceptable business code conduct and the account was paid in full April of 2021 by the consumer ****** history statement. I Requested legal compliance UCC3-503, SCRA and the business refused.

  Business Response

  Date: 08/02/2023

  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 $2981.78 for the account ending in ****. ****** placed
  this account in our office on 11/9/2022. This account with ****** was opened on
  4/28/2016. The last payment made was on 12/29/2021 for $89.00. The email on the
  account is *********************. We
  are the third collections agency to collect on this balance. Each agency
  reports to the credit bureaus and is required to remove it once recalled by
  ******. That is why the consumer has seen the account come on and come off. A big
  portion of this balance, $1368.03, comes from equipment related charges for
  devices received from ******. This account is due and owed. Please be advised
  that this account has been updated as disputed.