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:04/22/2025

  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.

  This company was sent an invlaid debt collection. This product was paid for and ******* payment account was updated. I contacted ******* and they showed no owed balance. This company continues to contact me even though it was stated to them this is not my debt and has been paid in full.

  

  Business Response

  Date: 04/30/2025

  We
  are in receipt of the complaint referenced above relating to this consumer. Per
  our standard complaint process, a thorough investigation of the allegations was
  performed.  ******* Payment Solutions,
  LLC placed Mr. *****’s ** *********, LLC account with our office for
  collections on March 13, 2025.Firstsource
  Advantage reflects receiving a dispute from Mr. ***** on March 31, 2025. The
  account was updated at that time as a dispute with a request for validation of
  debt. Validation of debt information was sent to the address Mr. ***** provided
  in his complaint, and we did not receive a mail return. Collection activity on
  the account ceased from the date the dispute was raised until April 15, 2025.Please
  note that ******* uses ******* Payment Solutions for processing payments via
  eChecks (electronic check).  If payment
  is not successful, ******* Payment Solutions reimburses ***********.  That is the reason Mr. *****’s account would
  be reflected as current in *********** records. 
  It appears the representative at *********** was not familiar with this
  process.  Mr. ***** may confirm this
  information at ***********’s website of ****************************************************************.  Upon
  receipt of this complaint, Firstsource Advantage returned Mr. *****’s account
  to ******* Payment Solutions, LLC as a cease and desist. Please note,
  Firstsource Advantage, LLC, does not credit report and all credit reporting is
  handled directly by ******* Payment Solutions, LLC. If Mr. ***** has any
  questions regarding the account or its credit reporting, he may reach out
  directly to ******* Payment Solutions directly at ###-###-####.We
  do regret any inconvenience Mr. ***** may have experienced and hope the above
  information assists in resolving his concerns.   Firstsource
  Advantage, LLC has rigorous training and procedures to ensure compliance with
  the law and a high quality of service is provided to consumers. Complaints are
  taken very seriously and are thoroughly investigated. Thank you.Sincerely,Elizabeth
  D*****Compliance
  Coordinator

  Customer Answer

  Date: 04/30/2025

  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.

  Multiple Calls everyday.

  

  Business Response

  Date: 05/13/2025

  We
  are in receipt of the complaint referenced above relating to this consumer. Per
  our standard complaint process, a thorough investigation of the allegations was
  performed.  ******* Payment Solutions,
  LLC placed two *** ****** ******* business accounts for Mr. ******’ with our
  office for collections on February 05, 2025. These two accounts were due to
  returned payments made to **** ***** **********.Firstsource
  Advantage, LLC records indicate this was the first notification received from
  Mr. ****** stating he does not want to be contacted. Prior to receiving this
  complaint, on May 07, 2025, Firstsource Advantage, LLC sent Mr. ******’
  accounts back to ******* Payment Solutions, LLC for servicing.Firstsource
  Advantage, LLC records reflect all attempts were compliant.If
  Mr. ****** has any questions regarding these accounts, he may reach out
  directly to ******* Payment Solutions, LLC directly at ###-###-####.We
  do regret any inconvenience Mr. ****** may have experienced and hope the above
  information assists in resolving his concerns.   Firstsource
  Advantage, LLC has rigorous training and procedures to ensure compliance with
  the law and a high quality of service is provided to consumers. Complaints are
  taken very seriously and are thoroughly investigated. Thank you.Sincerely,Shannon
  W****Compliance
  Manager

• Initial Complaint

  Date:04/07/2025

  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.

  Firstsource sent a letter to settle a debt in collections. A payment was made and I was told that after the payment cleared that the debt would show paid on my credit report. It’s been a year and the debt is still on my credit report and debt was sold to another debt collector which reached out stating that they had the account now. I reached out to Firstsource letting them know of the issue and said there was nothing they could do, but reach out to the credit card company. I called ******* *** and was told that there’s nothing they could help me with. I’m out almost $1000.00 with no resolution.

  

  Business Response

  Date: 04/18/2025

  We
  are in receipt of the complaint referenced above relating to this consumer. Per
  our standard complaint process, a thorough investigation of the allegations was
  performed. On December 15, 2023, ******* ***, N.A. placed the consumer’s Platinum
  ******* ***, N.A. account ending in 8317 with a balance of $2,184.84 with our
  office to collect on this debt.Firstsource
  Advantage, LLC did send a settlement offer in the amount of $852.09 but after a
  thorough search of our records, a payment for this amount was not
  received.  We do not reflect receiving
  any payments while servicing this account. 
  The account was returned to ******* ***, N.A on June 13, 2024.On
  April 07, 2025, the consumer had called our office regarding an account we were
  servicing for a different client. At that time the consumer asked about his
  ******* ***, N.A. account and the representative provided a ******* *** N.A. phone
  number to assist as we were no longer servicing the account.If
  the consumer can supply us with a copy of his cancelled check and/or bank
  statement reflecting this payment, we can investigate this claim further.Firstsource
  Advantage, LLC works on behalf of ******* ***, N.A. and did not purchase this
  debt. Firstsource
  Advantage, LLC does not credit report. If the consumer has any questions
  regarding this account or credit reporting, he may contact ******* ***, N.A. at
  ###-###-####.We
  do regret any inconvenience that the consumer may have experienced and hope the
  above information assists in resolving his concerns.Firstsource
  Advantage, LLC has rigorous training and procedures to ensure compliance with
  the law and a high quality of service is provided to consumers. Complaints are
  taken very seriously and are thoroughly investigated. Thank you.Sincerely,Shannon
  W****Compliance
  Manager

• Initial Complaint

  Date:03/21/2025

  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.

  Unauthorized Collection Attempt and Failure to Validate Debt
  
  
  On February 7, 2025, I received a letter from Firstsource Advantage, LLC attempting to collect a debt of $3,931.87 that they claim is owed to **** ** *******. The letter referenced an account ending in 8289 and stated that I owed the balance as of May 31, 2024.
  
  Key Issues:
  
  Unauthorized Access to Personal Information:
  Firstsource Advantage, LLC obtained my personal financial information and attempted to collect a debt without providing proof of my consent or authorization to access this information.
  
  Violation of FDCPA and FCRA:
  The collection activity constitutes a violation of the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) due to improper reporting and handling of my personal data without consent.
  
  
  Requested Resolution:
  
  Cease all collection activity immediately unless Firstsource Advantage can provide full debt validation, including a copy of the original contract and proof of assignment from **** ** *******.
  Remove any negative reporting associated with this debt from my credit report across all bureaus (*******, ********, and **********).
  Provide written confirmation that the debt has been removed from my credit profile and that collection activity has ceased.
  Ensure compliance with the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) moving forward.
  
  
  I expect a formal response from Firstsource Advantage, LLC within 30 days of receiving this complaint. If they fail to comply, I am prepared to escalate this matter to the Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission (FTC) for further investigation and enforcement action.

  

  Business Response

  Date: 04/04/2025

  Thank
  you for your correspondence dated March 21, 2025, relating to the above consumer. Upon
  receiving notification of the complaint, as a part of our standard complaint
  process, a thorough investigation of this matter was performed.On
  February 6, 2025, **** ** *******, N.A. placed an account ending in **** under Mr.
  *****’s name with our office. Please note, Firstsource Advantage, LLC was
  servicing this account on behalf of **** ** *******, N.A and is licensed in the
  state of California under license number *****-**.This complaint, as well as one Mr. *****
  submitted to the Consumer Financial Protection Bureau, was the first
  communication received in our office from Mr. *****, requesting validation
  of debt.Please
  note that Firstsource Advantage, LLC does not credit report and the credit
  reporting is handled directly by **** ** *******, N.A. We do not reflect any
  violations of the FCRA or FDCPA.As
  the complaint also included a request to cease collections unless our office
  could remove the negative marks from the credit report, the account was updated
  to reflect a cease and desist and returned to **** ** *******, N.A. for
  servicing.If
  Mr. ***** has any additional questions, he may reach out to **** ** *******,
  N.A. directly at ###-###-####.We
  regret any inconvenience Mr. ***** may have experienced and hope that the above
  information assists in resolving his concerns. Firstsource
  Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure
  compliance with the law and to ensure that the highest quality of service is
  provided to the customer. Complaints such as yours are taken very seriously and
  are thoroughly investigated.Sincerely,Robert
  H*****Compliance
  Administrator

• Initial Complaint

  Date:03/20/2025

  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.

  On Feb. 18, 2025, I received a notice about a credit card for a past payment of over $400 on my ***...... card. I tried on several occasions to contact Firstsource but no luck with a call back or anyone answering the phone. I called the bank that holds the card and they said the account was paid back in the early part of 2024 and that I owe nothing as the account has been closed. The customer service is well none and I still do not have anything resolved.

  

  Business Response

  Date: 04/10/2025

  Thank
  you for your correspondence dated April 7, 2025, relating to the above consumer. Per
  our standard complaint process, a thorough investigation of the allegations was
  performed. On February 15, 2025, ********* Bank placed Ms. *********’s *******
  card account ending in **** with our office for collections.Upon
  review of our records, we do not reflect receiving any calls from the phone
  number Ms. ********* provided in her complaint of ###-###-####. Upon receipt of
  the complaint, Firstsource Advantage has updated Ms. *********’s account as a
  dispute with the request for validation of debt. Collection efforts have ceased
  until the request is met.We
  do regret any inconvenience that Ms. ********* may have experienced and hope
  the above information assists in resolving her concerns.Firstsource
  Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure
  compliance with the law and to ensure that the highest quality of service is
  provided to the customer. Complaints such as yours are taken very seriously and
  are thoroughly investigated.Sincerely,Elizabeth
  D*****Senior
  Compliance Coordinator

  Customer Answer

  Date: 04/22/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.The business has since sent me another letter asking for the same amount for the ******* account. Attached is the information sent to me. I do not want to share my phone number through this avenue but I can be reached at **************************  
  Regards,
  ***** *********
  
   

  

  Business Response

  Date: 05/05/2025

  Thank
  you for your correspondence dated April 25, 2025, relating to the above consumer. Per
  our standard complaint process, a thorough investigation of the allegations was
  performed. On February 15, 2025, ********* Bank placed Ms. *********’s *******
  card account ending in 9620 with our office for collections.Firstsource
  Advantage, LLC reflects sending two letters to the address Ms. ********* has
  provided in her complaint. One letter was sent on February 18, 2025, and the
  second letter was sent April 7, 2025. No letters were sent to Ms. *********
  after her initial complaint to the Better Business Bureau was received on April
  7, 2025.We
  understand Ms. ********* does not wish to provide her personal phone number
  through this avenue, however, if she can provide the number she dialed to reach
  our office, we can further research her concerns of not being able to
  reach our office. We appreciate Ms. ********* bringing this to our attention.As
  previously mentioned, Firstsource Advantage has updated Ms. *********’s account
  as a dispute with the request for validation of debt. Collection efforts have
  ceased until the request is met.We
  do regret any inconvenience that Ms. ********* may have experienced and hope
  the above information assists in resolving her concerns.Firstsource
  Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure
  compliance with the law and to ensure that the highest quality of service is
  provided to the customer. Complaints such as yours are taken very seriously and
  are thoroughly investigated.Sincerely,Elizabeth
  D*****Senior
  Compliance Coordinator

• Initial Complaint

  Date:03/13/2025

  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 previously had a charged off debt with ****** credit from synchrony bank. The amount was $2037.00. This debt was sold to First Source Advantage LLC. Over a month ago I had to call over and over again to get this debt paid as I am in the process of purchasing my first home and I needed confirmation that this debt was paid in full. I paid this debt in full on February 28. This company keeps telling me “a supervisor” will call me and nobody ever calls. Every time I call back to simply have a confirmation of payment letter sent to me they say they cannot help me and only a supervisor can that has to “give me a call back”.

  

  Business Response

  Date: 03/25/2025

  March
  25, 2025
  
  RE:
      ****** ********
  Complaint
  ID* ********
  
  Thank
  you for your correspondence dated March 14, 2025, relating to the above consumer.
  Per
  our standard complaint process, a thorough investigation of the allegations was
  performed. On June 6, 2024, Synchrony Bank placed Ms* *********s ****** Credit
  credit card ending in 4699 with our office for collections.
  
  Our
  records reflect Ms. ******** first called our office on February 27, 2025 and
  wanted to resolve her account in our office. Unfortunately, an agent was not
  available to speak with Ms. ******** at the time of her call.  Ms. ******** was provided with our website
  information so she may make an online payment. A representative attempted to
  contact Ms. ******** later that day but there was no answer.
  We reflect a payment was made on February 27,
  2025 in the amount of $2037.63 and this account has been paid in full. On March
  13, 2025, Ms. ******** called our office and requested a paid in full letter be
  emailed to her. Unfortunately, representatives do not have access to email.
  A paid in full letter
  was mailed to Ms. ********’s address on March 20, 2025.
  We
  do apologize for any inconvenience this may have caused Ms. ******** and hope
  the above information is of assistance.
  Firstsource
  Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure
  compliance with the law and to ensure that the highest quality of service is
  provided to the customer. Complaints such as yours are taken very seriously and
  are thoroughly investigated.
  Sincerely,
  Elizabeth
  Delano
  Senior
  Compliance Coordinator

  Customer Answer

  Date: 03/27/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  What is neglected to be mentioned is how many times I had to call and request this information, and on said day I did not receive any call back, I have never received a call back from this company. This transaction was incredibly important to me in the event that I am trying to purchase a house so I would have answered any call that came through. I also am unsure what address they say they mailed my letter to because they don’t have my updated address so it’s not likely I will even receive the letter I need. I need to know that this has been reported to the credit bureaus so at the least I will see a jump in my score to reflect this pay off and will be listed on my credit report as paid in full.
  
  
  
  Regards,
  
  ****** ********
  
  
  
  
  
  
  
  
  

• Initial Complaint

  Date:02/20/2025

  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.

  I was contacted by First Source Advantage regarding my ****** Credit Card in the amount of $1,6XX.XX. I made a one time payment of $405.00 to the account on 01/17/2025. Upon consideration, I decided to do a settlement offer of $605.14 on their website. The settlement offer was 50% of the remaining balance so I decided why not. Upon paying the settlement balance with my debit card, I was sure the account would be closed and the debt would be considered settled and closed. To my surprise, on 02/19/2025, upon logging in to First Source Advantage, I was astounded to see a balance of $605.14?????? What is the point of offering a settlement and CONTINUE to collect payment? I feel defrauded by this company and their shady antics. I want this account CLOSED since you offered a settlement and I took it. WHY do I have an updated balance? This is disgusting work by a company.

  

  Business Response

  Date: 03/06/2025

  We are in receipt of the complaint referenced above relating to this consumer. Per our standard complaint process, a thorough investigation of the allegations was performed. On April 4, 2024, ** **** USA, N.A./****** Credit Card placed Ms. *******’s account ending in **** with our office for collection. Our records show that Ms. ******* made a payment on February 18, 2025 to settle this account in the amount of $1,009.15. On February 21, 2025, Ms. ******* contacted our office and advised she settled this account but when she logs onto the website, it still reflects a balance owed. The representative explained that as the settlement payment was recently made, the website would not yet reflect the agreement. The representative assured Ms. ******* that the settlement was completed and nothing else was due. Firstsource Advantage, LLC has sent a settlement paid letter to Ms. ******* on February 25, 2025 for her records.We do apologize for any inconvenience Ms. ******* may have experienced and hope the verification of the debt alleviates her concerns.Firstsource Advantage, LLC has rigorous training and procedures to ensure compliance with the law and a high quality of service is provided to consumers. Complaints are taken very seriously and are thoroughly investigated. Thank you.Sincerely,Elizabeth D*****Senior Compliance Coordinators
  

  Customer Answer

  Date: 03/06/2025

  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:02/20/2025

  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 am filing a formal complaint against Firstsource Advantage LLC for failing to comply with my repeated requests for proper debt validation and for continuing to contact me via phone despite my written disputes.
  
  I disputed the validity of this debt and requested a thorough validation in accordance with federal law, including the Fair Debt Collection Practices Act (FDCPA) and relevant bankruptcy laws. Additionally, the alleged debt was included in Chapter 7 bankruptcy filed on January 2024, making the claim of collection improper and potentially unlawful. The alleged debt was retrieved in February 2024 by Firstsource and was done so unlawfully under an automatic stay.
  
  Firstsource Advantage acquired this alleged debt while the bankruptcy case was active and violated the automatic stay, which prohibits any collection activity, including the purchase, transfer, or collection of debts, during an active bankruptcy according to Automatic Stay (11 U.S.C. § 362).
  
  On 12/30/2024, 01/03/2025, 01/29/2025, I sent Firstsource Advantage, LLC a written request for debt validation. In response, they provided insufficient documentation that does not meet the legal requirements under the Fair Debt Collection Practices Act (FDCPA), specifically 15 U.S.C. § 1692g(b). Firstsource has NOT properly validated the alleged debt.
  
  Despite my request, they have not provided the legally required documentation, nor have they ceased collection activities. Instead, they continue to call me on my cell phone and home phone as well as my husband's cell phone, which constitutes harassment under the FDCPA. This company is in violations of the 47 U.S.C. § 227b)(1)(A) under the TCPA (Telephone Consumer Protection Act) violation.
  
  I have no contractual agreement with this company and am not liable for the debt they are attempting to collect.

  

  Business Response

  Date: 03/04/2025

  We are in receipt of the complaint referenced above relating to this consumer. Per our standard complaint process, a thorough investigation of the allegations was performed. ******* ***, N.A. placed three (3) accounts for this consumer with our office as follows:  Placement Date Card Type Card Number Ending In: Balance12/13/2024 ******* ***, N.A. ******** **** $342.12 12/14/2024 ******* ***, N.A ******* Rewards Card **** $4,667.13 12/20/2024 ******* ***, N.A. ******** **** $2,068.87 Firstsource Advantage, LLC received requests for validation of debt for the above accounts which were fulfilled and mailed to the consumer’s address listed in the complaint.  The information sent meets the verification requirements under the Fair Debt Collection Practices Act. This complaint was the first notification received from the consumer that they had filed for bankruptcy. An investigation revealed the consumer’s bankruptcy was dismissed. Firstsource Advantage, LLC, reflects no violations of a bankruptcy stay.A cease and desist has been processed on the accounts and the accounts have been returned to ******* ***, N.A. for servicing.  If the consumer has any questions regarding any of these accounts, he may contact ******* ***, N.A. at ###-###-####.We do regret any inconvenience that the consumer may have experienced and hope the above information assists in resolving their concerns.Firstsource Advantage, LLC has rigorous training and procedures to ensure compliance with the law and a high quality of service is provided to consumers. Complaints are taken very seriously and are thoroughly investigated. Thank you.Sincerely,Shannon W****Compliance Manager

• Initial Complaint

  Date:02/15/2025

  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.

  My wife continues to receive emails to her account from Firstsource Advantage saying they want to resolve my past due amount of my **** ** ******* account ending in ****. I do not have a **** ** ******* card ending in ****. The 2 cards I did have with **** ** ******* were paid off for a lesser amount.

  

  Business Response

  Date: 02/24/2025

  Thank
  you for your correspondence dated February 18, 2025, relating to the above consumer. Upon
  receiving notification of the complaint, as a part of our standard complaint
  process, a thorough investigation of this matter was performed.On
  December 6, 2024, **** ** *******, N.A. placed an account ending in **** under
  Ms. ********’ name with our office. Firstsource Advantage, LLC is servicing
  this account on behalf of **** ** *******, N.A.Firstsource
  Advantage, LLC has updated the account to reflect Mr. ********’s dispute and ordered
  verification of debt for Mr. ******** to review. The verification of debt will
  be mailed to the address he lists in his complaint. Meantime, all collection
  attempts have been discontinued.If
  Mr. ******** has any additional questions or concerns, please contact one of
  our representatives at ###-###-####.We
  do regret any inconvenience that Mr. ******** may have experienced and hope the
  above information assists in resolving his concerns. Firstsource
  Advantage, LLC has rigorous FDCPA training and formalized procedures to ensure
  compliance with the law and to ensure that the highest quality of service is
  provided to the customer. Complaints such as yours are taken very seriously and
  are thoroughly investigated.Sincerely,Robert
  H*****Compliance
  Administrator

• Initial Complaint

  Date:01/20/2025

  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 am filing this complaint against Firstsource Advantage, LLC for their failure to provide proof of the legitimacy of an alleged debt and for disregarding my consumer rights. I have no contractual agreement with this company and am not liable for the debt they are attempting to collect.

  

  Business Response

  Date: 01/30/2025

     We are in receipt of the complaint referenced above relating to this consumer. Per our standard complaint process, a thorough investigation of the allegations was performed. On December 20, 2024, ******* **** N.A. placed the consumer’s ******* **** N.A. account ending in **** with a balance of $2,549.60 with our office to collect on this debt.On January 21, 2025, Firstsource Advantage, LLC called the phone number listed in the consumer’s complaint and was informed it was a wrong number. The number was removed and not called again. A CFPB complaint was received from the consumer on January 21, 2025 which was the first notification received that the consumer was disputing this account and requesting validation of debt. Upon receipt of the complaint, Firstsource Advantage, LLC requested validation to be sent to the consumer. The validation of debt was mailed to the consumer on January 27, 2025 to the same address listed in his complaint. A cease and desist has been processed on the account and the account has been returned back to ******* **** N.A. If the consumer has any questions regarding this account, he may contact ******* **** N.A. at ###-###-####.We do regret any inconvenience that the consumer may have experienced and hope the above information assists in resolving his concerns.Firstsource Advantage, LLC has rigorous training and procedures to ensure compliance with the law and a high quality of service is provided to consumers. Complaints are taken very seriously and are thoroughly investigated. Thank you.Sincerely,Shannon W****Compliance Manager