Complaints

This profile includes complaints for MRS BPO, L.L.C.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  MRS BPO, L.L.C.

  1930 Olney Ave Cherry Hill, NJ 08003-2016

  
• 

  MRS BPO, L.L.C.

  402 Lippincott Dr Marlton, NJ 08053-4112

  

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:10/09/2025

  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.

  Received texts claiming I owe money to Spectrum and should contact MRS **** I dont have a Spectrum account. I didnt not call the number provided in the text. Im wondering if its a scam but ****** says this company is *************** is the text: This is MRS **** a collection agency regarding your account with ********. Visit ****************************** or call us at ************ to discuss details.Reply STOP to opt out. To see important rights and information, click ************************************

  Business Response

  Date: 10/15/2025

  BBB ID: #********
  *** Ref: LU1-22158981
  
  Dear **** *.,
  
  ************ ***** received a copy of the complaint that the consumer, ************* submitted to the Better Business Bureau of New Jersey (BBB). We welcome the opportunity to assist with this matter.
  
  ************ ***** has reviewed the complaint submitted to the Better Business Bureau of New Jersey (BBB) by the consumer. We appreciate the opportunity to address the concerns raised and provide clarification regarding our involvement.
  
  *** initiated an investigation into the phone number referenced in the complaint, including a review of all text messaging activity, internal records, and the substance of the complaint.
  
  The phone number in question, **************, was provided to *** as a viable number to contact the intended individual. *** sent a total of two (2) text messages, and placed no calls to this number. This consumer is not the person we were attempting to contact. This is simply a matter of a wrong number. This complaint was the first and only notice that the phone that was provided to *** was a wrong number to reach the intended individual. The consumer did not notify *** directly. Had the consumer contacted us to let us know we were texting a wrong number, we would have immediately removed the number to prevent future text messages.
  
  *** will not send any further texts or place any calls to the phone number provided with the complaint. We trust this will satisfy the consumers desired resolution.
  
  *** apologizes for any inconvenience. If you or the consumer have any additional questions or concerns regarding our investigation, feel free to contact us directly. Our contact information is below.
   
  Sincerely,
   
  ************
  ******************************************************************************
  **************
  *******************************
   
  This communication is from a debt collector
  
  

  Customer Answer

  Date: 10/15/2025

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Regards,
  
  Krissy Power

• Initial Complaint

  Date:09/16/2025

  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.

  MRS BPO LLC has reported a collection balance of $26,410 from ****** ******* **** ***** 2023. I spoke with Jonni at MRS BPO and she said that the collection was received in 2024 and in 2025 for an origination date of 11/15/19. I also spoke with ***** at ****** and he said there never was a **** for that time frame and is now in the process of providing documents to me for MRS BPO to review.
  
  Also, earlier today, I received a call from MRS BPO where I was called a liar and was hung up on when I explained that my ****** **** balances are all zero as of August 2025. This is very unprofessional behavior.

  Business Response

  Date: 09/25/2025

  BBB #********
  MRS Ref: ************
  
   
  MRS BPO, LLC (“MRS”) has reviewed the above-referenced complaint submitted by the consumer ****** *******, and appreciates the opportunity to respond.
  
  The complaint concerns an account that our client placed with MRS for collection. MRS does not own the account at issue. The ownership of the account remains with the creditor, and MRS is acting as an authorized representative to collect the outstanding balance on their behalf.
  
  The consumer asserts 
  MRS reported a collection balance of $26,410 from ****** ******* **** ***** 2023. The consumer states they spoke with Jonni at MRS who said that the collection was received in 2024 and in 2025 for an origination date of 11/15/19. 
  
  The consumer also spoke with ***** at ****** who said there never was a **** for that time frame and is now in the process of providing documents for review.
  
  The consumer also asserts they received a call from MRS during which they were called a liar and they were hung up on when they explained that the ****** **** balances are all zero as of August 2025.
  
  The consumer included a copy of a document from ******, '**** Summary/Mortgage Verification', for account ********** showing a zero balance. This is not the same account that was placed with MRS for collection. The account that was placed for collection is *******. 
  
  The consumer also provided a copy of information MRS reported to Experian related to the account placed for collection.  
  
  Consumer’s Desired Resolution:
  Correction to a credit report
  
  Investigation, Findings, and Actions Taken:
  MRS initiated an investigation in order to address the concerns. Our investigation included a review of the account activity, recorded calls, and the information provided with the complaint. We also contacted our client for additional information.
  
  On June 04, 2025, MRS sent a letter containing notice of the placement of the account with MRS and information related to the right to dispute the debt or request additional information about the debt in accordance with the Fair Debt Collection Practices Act.
  
  The letter explained how to dispute the debt or request validation, and included a deadline of July 14, 2025, to submit a dispute that would require us to suspend collection until documentation was provided. The letter also included a dispute form and instructions for submitting disputes in writing or online at *****://******.***.
  
  MRS did not receive any dispute or request for validation prior to July 14, 2025.  
  
  On July 23, 2025, MRS reported the account to the major credit bureaus; Equifax, Experian, and TransUnion.   
  
  Our client provided documents to validate the balance owed, which have been mailed to the consumer. For the consumer’s convenience, copies are included with this response.
  
  We understand the consumer felt disrespected during the call. Our review of the recording indicates the conversation remained professional. MRS denies that our representative called the consumer a liar or hung up on the consumer.  The customer exchanged information with our representative and ended the call thanking our representative.  
  
  MRS is required to report truthful and accurate information to the credit reporting agencies. Our research concludes that the information MRS reported to the credit reporting agencies is true and accurate.
  
  MRS denies any suggestion that it violated any collection laws in connection with the communications described in the complaint.
   
  If you have any questions or concerns regarding our investigation, you can contact MRS directly. Our contact information is below.
   
  Sincerely,
   
  MRS BPO, LLC
  
  ###-###-####
  
   
  This communication is from a debt collector
   
  Attachments:
  **** Docs
  Signed docs
  Pre-default **** Financial History
  Post-default Payment History
  
  

• Initial Complaint

  Date:08/05/2025

  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 company is providing my personal information to include name, phone number, address, and description of my debt to people and phone numbers who do not have a right to know my personal information. They sent a copy of my debt to a non-confirmed phone number as a text message attachment which outlined the entire debt owed. This is a direct violation of my privacy. The only phone number associated with my account should be ************. Any and all other contact information must be removed from my account immediately.

  Business Response

  Date: 08/11/2025

  BBB Case #: 23702382
  *** Ref: LU1-21918138, LU1-17392080
  
  Dear ********* *.,
  
  ************ ***** received the complaint submitted to the Better Business Bureau of New Jersey (BBB) and has completed a review. The information in this response is personal and confidential.
  
  This matter concerns an account that our client, ***************************** (NCB), placed with *** for collection on August 1, 2025. The account was not sold to ***. The creditor remains the owner of the account, and *** is acting solely as an authorized representative to service the account on the creditors behalf.
  
  Complaint Summary
  The consumer alleges that *** shared personal information with unauthorized parties and sent a text attachment outlining the entire debt. The consumer references LU1.17392080 and LU1.21918138.  The consumer asserts this violated her privacy and states that the only phone number that should be associated with her account is ************. The requested resolution is contact by the business.
  
  Investigation, Findings, and Actions Taken
  ***s records reflect one email regarding the *** account sent on August 4, 2025 to ************************** which is the same email address the consumer provided with the complaint. This was the only email *** sent regarding the subject account. Also on August 4, 2025, *** sent text notifications to two phone numbers provided by the creditor as good numbers to reach the intended consumer, including ************. The text messages included an attachment that was the same notice letter addressed to the consumer that was sent by email on August 4, 2025. Prior to this BBB complaint, *** did not receive any reply or notice indicating that a wrong number had been reached; this complaint is the first and only such notice.
  
  Based on our review of communication logs, *** did not intentionally transmit the consumers debt details to any unauthorized party. The numbers used were believed to belong to the consumer, and, based on our investigation, the second number appears to belong to the consumers spouse. While *** cannot confirm that relationship as a matter of fact, that is our good-faith understanding from the information available at the time the messages were sent. In light of the consumers stated preference, *** has updated its records to reflect ************ as the contact number and has suppressed other numbers associated with this matter.
  
  As to the account reference in the complaint, LU1-17392080, this is regarding a ****** account and *** sent one email to the same email address on August 31, 2023.  *** did not send any text messages regarding the ****** account.  
  
  Conclusion
  *** denies any suggestion that it disclosed the consumers debt information to third parties or otherwise violated privacy or collection laws in connection with this matter. Consistent with the consumers requested resolution, *** will reach out directly using the confirmed contact information to address any remaining concerns.
  
  Thank you for your courtesy and cooperation.  If you have any additional questions or concerns regarding our investigation, you can contact *** *************** Our contact information is below.  
  
  Sincerely,
  MRS BPO, L.L.C.
  *******************************************************************************;
  ************** 
  *******************************
  
  This communication is from a debt collector
  
  

  Customer Answer

  Date: 08/11/2025

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Regards,
  
  ******* *******

• Initial Complaint

  Date:08/04/2025

  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.

  Credit card debt. In the process of divorce court.

  Business Response

  Date: 08/12/2025

  BBB ID: #********
  *** Ref: LU5-1398837
  
  Dear **** *.,
  
  ************ ***** has received and reviewed the complaint submitted by the consumer to the Better Business Bureau of New Jersey (BBB). We appreciate the opportunity to address the matter.
  
  Investigation Summary
  We conducted a comprehensive review of the account activity, correspondence, recorded calls, and credit reporting history. We also contacted our client for additional background and information relevant to the concerns raised.
  
  Consumers Complaint
  The consumer states that a debt collector left threatening voicemail messages on both their phone and their 70-year-old mothers phone, causing the mother emotional distress. The consumer claims they never provided their mothers phone number or authorized contact with her, and that they do not reside together. They further state they informed the company of their lack of income and inability to pay, but believe this did not justify contacting or upsetting their mother. The consumers requested resolution is to have no further contact from ***.
  
  *** Findings
  An account was placed with *** for collection on May 9, 2025, and included the consumers contact information as provided by our client. On May 12, 2025, *** mailed an initial letter to the consumer, advising of the account placement and providing the required disclosures regarding the right to dispute or request additional information about the debt, in accordance with the Fair Debt Collection Practices Act.
  
  Following the initial letter, *** attempted to reach the consumer by phone and by text message. Our review confirms that *** did not leave any voicemail messages on any phone number associated with the consumer or the account at any time.
  
  On July 31, 2025, *** received a text response from the consumer requesting that text messages cease.
  
  Conclusion
  *** denies any allegation that it engaged in threatening communications or otherwise violated any applicable collection laws in this matter. *** also denies leaving voicemail messages of any kind to either the consumer or any third party.
  
  In accordance with the consumers requested resolution, *** has ceased all collection efforts and will make no further contact regarding this account.
  
  We trust this addresses the concerns raised. If you have any further questions or require additional information regarding our investigation, please contact us at:
  
  Sincerely,
  MRS BPO, L.L.C.
  ******************************************************************************
  ************** 
  *******************************
  
  This communication is from a debt collector
  
  

• Initial Complaint

  Date:07/18/2025

  Type:Service or Repair 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 company wont return my call about settling the debt for less

  Business Response

  Date: 07/31/2025

  BBB ID: #********
  *** Ref: LU9-3136872
  
  Dear ********* *.,
  
  ************ ***** received a copy of the complaint that the consumer submitted to the Better Business Bureau of New Jersey (BBB). We welcome the opportunity to assist with this matter.
  
  The consumer states that *** did not return their call about settling the debt for less than the full balance. Their desired resolution is a refund.
  
  *** initiated an investigation to address the concerns raised. Our review included account activity, payment history, and the information provided with the complaint.
  
  This complaint pertains to an account placed with *** for collection by our client, ***********, on May 28, 2024. *** does not own the account; ownership remains with the creditor, and *** was acting as an authorized representative to collect the outstanding balance on their behalf.
  
  On July 17, 2025, the consumer paid the full balance owed using ***s automated phone system. The account was then closed and returned to the creditor as resolved.
  
  Following this payment, the consumer attempted to contact *** multiple times. Some of these calls were received after business hours, during which the automated attendant informed the consumer that the office was closed. The automated system is not able to cancel a scheduled payment. Additional calls received on July 18, 2025, were during business hours. The automated attendant advised the consumer the call would be transferred to a representative, but the calls disconnected before the transfer could be completed. At that time, the automated system could not accept another payment due to the pending transaction scheduled the previous day.
  
  What we are doing to help
  *** is issuing a refund for the difference between the amount paid and the lower settlement amount that had been offered after the payment was already scheduled. 
  
  We apologize for any inconvenience or confusion, and we appreciate the opportunity to resolve the issue. We trust the actions being taken will be satisfactory to the consumer.
  
  Thank you for your courtesy and cooperation. If you have any additional questions or concerns regarding our investigation, you may contact me directly using the information below.
  
  Sincerely,
  **** *******
  Director of Litigation & Regulatory Management
  MRS BPO, L.L.C.
  *******************************************************************************;
  ************** 
  ********************************************
  
  This communication is from a debt collector
  
  

• Initial Complaint

  Date:06/02/2025

  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 was contacted by *********** via text message about an account with spectrum being in collections. I have not had an account with ******** in over 3 years. I have never been contacted by them about any debt I owed when I switched providers 3 years ago, no letter, no emails, no calls, now I am getting a text message about being collections and you put it on my credit report. I have no documentation regarding this debt or collections and I have contact MRS *** multiple times without any response. My next step is having my lawyer get involved and get this collections that is no mine.removed from my account or you can remove my information in the next 5 days.

  Business Response

  Date: 06/13/2025

  BBB ID: ********
  MRS Ref: LU1-21255846
  
  Dear ********* *.,
  
  ************ ***** received a copy of the complaint that the consumer submitted to the Better Business Bureau of New Jersey (BBB). We welcome the opportunity to assist with this matter.
  
  MRS has reviewed the complaint and ******** has represented to us that the debt is valid.  We mailed validation to the customer and will suspend collection activity until the customer has had a chance to review the documentation.
  
  Thank you for your courtesy and consideration. If you or the consumer have any additional questions or concerns regarding our investigation, feel free to contact us directly. Our contact information is below.
  
  Sincerely,
  ************
  *********************************************************************
  **************
  *******************************
  
  This communication is from a debt collector
  

• Initial Complaint

  Date:04/22/2025

  Type:Customer Service 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 agency calls me three to four times a week. They demand to speak to ******** ******** and ask if it is me. Now with AI if I say my name they will have my voice and the more information they ask for, the more personal and private information I am giving them. I have repeatedly asked them what they are calling about and they refuse to tell me. I do not feel comfortable giving an agency I have never heard of information about me just because they are asking. I am not able to verify why they are calling or what they are calling for.

  Business Response

  Date: 05/01/2025

  BBB ID: ********
  *** Ref: LU7-10959538
  
  Dear ********* *.,
  
  ************ ***** received a copy of the complaint submitted by the consumer, ******** ********, to the Better Business Bureau of New Jersey (BBB). We appreciate the opportunity to assist with this matter.
  
  This complaint concerns an account that our client, ****************, placed with *** for collection. *** does not own the account; ownership remains with the creditor. *** was acting as an authorized representative to collect the outstanding balance on their behalf.
  
  The consumer states that *** called three to four times per week, asked to speak with ******** ********, and refused to disclose the purpose of the call unless identity was confirmed. The consumer also expressed discomfort with sharing personal information over the phone and raised concerns about the potential misuse of voice data in the context of AI technology.
  
  The consumers requested resolution was to receive no further contact from ***.
  
  *** initiated an investigation, including a review of account activity, correspondence history, credit reporting status, and the information provided in the complaint. We also contacted our client to obtain additional details as needed.
  
  Verizon Wireless placed the account with *** on April 3, 2025. *** sent a letter to the consumer at the address provided in the complaint. The letter included notice of the account placement and information regarding the right to dispute the debt or request additional information in accordance with the Fair Debt Collection Practices Act.
  
  *** also attempted to contact the consumer by phone. Our representatives are required to follow strict verification procedures before discussing any details of an account. These procedures involve confirming the identity of the person with whom we are speaking, which is necessary to safeguard consumer privacy and comply with federal and state regulations. *** did not demand personal information; our representative followed standard protocol and politely inquired whether we were speaking with the correct individual. Because the consumer declined to verify their identity during any interactions, our representatives were unable to disclose further details.
  
  This complaint is the first request that *** ***** contact with the consumer. In accordance with that request, *** has returned the account to the creditor and will not make any further attempts to contact the consumer regarding the account.
  
  *** apologizes for any inconvenience or misunderstanding. We believe this resolution satisfies the consumers request. Should you or the consumer have any additional questions or concerns regarding our investigation, we welcome further communication. Our contact information is below.
  
  Sincerely,
  ************
  *********************************************************************
  **************
  *******************************
  
  This communication is from a debt collector
  
  

  Customer Answer

  Date: 05/01/2025

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Regards,
  
  ******** ********

• Initial Complaint

  Date:04/21/2025

  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.

  ******* states that I do not owe this amount. I have no debt with them.

  Business Response

  Date: 05/02/2025

  BBB ID: #********
  *** Ref: LU7-10976922
  
  Dear ********* *.,
  
  ************ ***** received a copy of the complaint submitted by ********* ********* to the Better Business Bureau of New Jersey (BBB). We appreciate the opportunity to assist with this matter.
  
  This complaint pertains to an account placed with *** by ******* for collection. *** does not own the account. The creditor retains ownership, and *** is acting as an authorized representative to collect the balance.
  
  The consumer states: ******* states that I do not owe this amount. I have no debt with them. The desired resolution is: Contact by the business.
  
  *** initiated an investigation which included a review of account activity, correspondence sent to the consumer, information submitted with the complaint, and communication with our client.
  
  ******* placed the account with *** for collection on April 8, 2025. The placement included the consumers name, address, and other relevant information. On April 10, 2025, *** mailed a letter to the consumer notifying them of the account placement and informing her of her rights under the Fair Debt Collection Practices Act, including the right to dispute the debt.
  
  Based on the information reviewed, *** believes the balance was validly placed for collection. To further address the consumers concerns, *** has requested additional documentation from *******. Upon receipt, we will mail any documentation to the consumer. *** does not anticipate further contact with the consumer until supporting documentation is received, unless otherwise required or permitted by law.
  
  Thank you for your attention to this matter. Should you or the consumer have further questions, please feel free to contact us directly.
  
  Sincerely,
  ************
  *********************************************************************
  **************
  *******************************
  
  This communication is from a debt collector
  
  

• Initial Complaint

  Date:04/18/2025

  Type:Service or Repair 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 formally issue a cease and desist request regarding all forms of communication from your company. I request that you do not contact me again using any communication resource, including phone calls, emails, letters, or any other means. Please return the debt associated with my account back to ****************. I will only communicate with **************** regarding this matter. If you continue to contact me after this cease and desist request, I will take further action and involve my lawyer.

  Business Response

  Date: 04/28/2025

  BBB ID: ********
  *** Ref: LU7-11023188
  
  Dear ********* *.,
  
  ************ ***** received a copy of the complaint submitted to the Better Business Bureau of New Jersey (BBB), ID ********. We welcome the opportunity to assist with this matter.
  
  *** acknowledges receipt of the Consumers cease and desist request submitted through the BBB. This complaint represents the first notice received from the Consumer regarding a request to cease communication. Upon receipt of the complaint on April 21, 2025, *** promptly flagged the account to cease all communications and closed the account accordingly.
  
  We trust this addresses the concerns raised in the complaint. If you or the Consumer have any additional questions or require further information, please feel free to contact us directly. Our contact information is below.
  
  Sincerely,
  ************
  *********************************************************************
  **************
  *******************************
  
  This communication is from a debt collector

• Initial Complaint

  Date:04/02/2025

  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.

  Was a customer with ******* wireless for 25+ years. Was being solicited by ******** to change to there service. So I went to a T-Mobile store to hear what they offer. The offer was good, so on 10/20/2024 I went to ******* store to see if they could do any better since I was a long time customer. The sales *** at ******* could not do anything better on price or better phones. So I told *** to cancel all services with ******* Im switching to T-mobile. The sales *** told me all services were cancelled and gave me a paper to bring to T-Mobile to transfer the phone numbers. The T-Mobile *** transfer the numbers to T-Mobile. I thought everything was done at that point. The T-Mobile *** also told me that there would be 1 more bill from ******* because they bill in advance. So I expected and paid 1 more bill in the month of November 2024. My wife and I left the *** in late November 2024 for the *********** with a return date on March ******. In the month of December 2024 I received an email from ******* they they will be auto-charging my bank acct for the Dec. 2024 bill. I texted the customer service *** from the *********** and told the *** that all services were cancelled and I will stop payment from my bank acct. and try to resolve this when I get home in March. Since Ive been home, Ive been up to the corporate store twice. Ive called two different ***s to try and resolve this. The second *** gave me another phone number to call to resolve. When I called the first time the *** couldnt pull up my acct because I didnt have the 15 digit acct number. She told me to go up to ******* corporate store and they could retrieve my acct no. So today 3/31/25 I went to corporate store to get acct number. When I returned. I called the number back that I was giving from the ******* ***. ***** out it was a collection acct MRSBPO ************************ ********************. The persons name that I spoke with at MRSBPO was ***** ******/ Supervisor. Would not credit acct.

  Business Response

  Date: 04/11/2025

  BBB ID: #********
  *** Ref: LU7-10893919
  
  Dear ********* *.,
  
  ************ ***** received a copy of the complaint submitted to the Better Business Bureau of New Jersey (BBB). We appreciate the opportunity to respond.
  
  The complaint concerns an account placed with *** for collection by our client, ****************. *** does not own the account. Ownership remains with the creditor, and *** was acting solely as an authorized representative to collect the outstanding balance on their behalf.
  
  *** conducted an investigation, which included a review of account activity, correspondence sent to the consumer, credit reporting history, and the documentation provided with the complaint. *** also contacted the creditor to obtain additional information.
  
  Based on our review, the concerns raised in the complaint appear to be misdirected to ***. *** questions regarding account credits, billing disputes, or credit reporting should be directed to the creditor. *** is not the creditor, cannot issue credits, and did not report the account to the credit bureaus. *** also cannot alter or delete any tradeline reported by ******* or any other entity.
  
  Upon receipt of the complaint on April 2, 2025, *** requested documentation from the creditor to support the validity of the account. On April 8, 2025, the account was recalled by ******* and is no longer with ***.
  
  Since the account has been closed and returned to the creditor, we recommend the consumer contact ******* directly for any further questions, including those related to billing or credit reporting.
  
  Thank you for your attention to this matter. If there are any additional questions or concerns regarding this response, *** can be reached using the contact information below.
  
  Sincerely,
  ************
  *********************************************************************
  **************
  *******************************
  
  This communication is from a debt collector
  
  

  Customer Answer

  Date: 04/11/2025

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. Next time Mrs ***** ****** may want to do her due diligence before snapping with a quick judgement of monies owed. 
  
  Regards,
  
  ***** *********