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:08/17/2023

  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.

  This company has repeatedly contacted me searching for another individual. This is harassment. I have not given them permission to contact me nor did I give them my phone number. Collection agencies are the scum of the business world. I want them to stop contacting me immediately.

  

  Business Response

  Date: 08/30/2023

  Thank
  you for your correspondence dated August 18, 2023, 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
  August 17, 2023, Mr. ***** called our office and advised us that we had contacted
  the wrong number. Firstsource Advantage, LLC removed his number of ************
  and no further calls were made. 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:08/16/2023

  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.

  Got
  
  I am writing to file a complaint against First Source Advantage LLC. For over a month, I have made several hundred calls to their business line from 8am-5pm to clear some debt with the collector, but it has been without any form of response or correspondence. This lack of communication is highly frustrating and unacceptable. I kindly request your assistance in resolving this matter.
  
  Thank you for your attention to this issue.
  
  Sincerely,
  **** ****** 

  

  Business Response

  Date: 08/28/2023

  August 28, 2023
  
  
  Re: **** ******
         Complaint ID: ********
  
  Attn:
  *** ***  
  
  Dear
  *** ***,
  
  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 March 6, 2023, Mr. ******** Klarna Inc. account for an Instacart
  order was placed in our office for collection.
  
  Our
  records reflect that when Mr. ****** called our office, all representatives
  were busy assisting other customers. Upon receipt of Mr. ******** complaint, we
  have added additional agents to handle inbound calls and appreciate Mr. ******
  bringing this to our attention. We do apologize for any inconvenience this may
  have caused.
  
  Please
  note, our office reflects Mr. ******** account was paid in full as of August 9,
  2023. If Mr. ****** has any further concerns regarding this account, we would
  recommend that he contact Klarna Inc. directly at 1-************.
  
  We
  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
  
  

• Initial Complaint

  Date:08/15/2023

  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.

  On July 27th i spoke with a representative from first source advantage about settling a debt with ******** *******. They told me if i paid them a one time payment of $8090 it would settle my debt in full and that they would send me a letter as well as as the credit bureaus that the debt has been paid. They even promised me it wouldn’t show up as settled for less. I spoke with ******** ******* on august 14th and they said they received the $8090 payment but i still have a large balance due and the account is not settled. Now i can’t get anyone at first source advantage to respond to me. Total scam. I will be filing a complaint with the attorney general and have to hire an attorney. The entire conversation is recorded if that helps.

  

  Business Response

  Date: 08/30/2023

  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 May 03, 2023, ******** ******* placed Mr. ******* account ending
  in 2004 with our office to collect this debt. On
  July 27, 2023, Mr. ***** settled his ******** ******* account in the amount of
  $8,090.00 and ******** ******* was notified accordingly. After
  reviewing the call recordings, we informed Mr. ***** that ******** ******* is responsible
  for the credit reporting and they will report that the account was settled,
  with zero balance. If Mr. ***** has any further concerns regarding the credit reporting,
  we recommend that he contacts them directly at ***************  Please
  note that as Mr. ***** settled his account at the end of July, it is possible
  that ******** *******’s records were still being updated at that time he spoke with
  them. We
  do reflect that Mr. ***** was able to contact our office on August 23, 2023, and
  a settled in full letter was sent to his address on August 24, 2023. We
  do regret any inconvenience Mr. ***** may have experienced and hope his
  concerns have been addressed. 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, Nicholette
  C********** Compliance
  Manager

• Initial Complaint

  Date:07/08/2023

  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 FirstSource Advantage LLC, i do not have a contract with FirstSource Advantage LLC, they did not provide me with the original contract as requested.

  

  Business Response

  Date: 07/20/2023

  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 January 28, 2023, ** **** **** *********** ****** **** placed Mr.
  ********* account ending in **** with our office to collect this debt. Our
  records do not reflect receiving any request for validation of debt from Mr.
  *******. On July 7, 2023, Mr. ******* spoke with a representative in our office
  and agreed to settle the account in the amount of $368.00. A settlement paid
  letter was sent to Mr. ******* on July 13, 2023. Upon
  receipt of this complaint, the account has been closed with our office and ** **** **** *********** ****** **** has been notified accordingly. We
  do regret any inconvenience Mr. ******* may have experienced and hope his concerns
  have been addressed. 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

• Initial Complaint

  Date:07/05/2023

  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 Firstsource Advantage LLC; they did not provide me with the original contract as I requested.

  

  Business Response

  Date: 07/18/2023

  Thank
  you for your correspondence dated July 5, 2023, relating to the above consumer. Per
  our standard complaint process, a thorough investigation of the allegations was
  performed.  ******* ****** *********** ***. placed Ms. ********’s ****** *** ***** ***. account in our office collections. Firstsource
  Advantage, LLC does not reflect receiving any prior requests for validation of
  debt from Ms. ********. Upon
  receipt of this complaint, Firstsource Advantage, LLC requested validation of
  debt and once received, it will be sent to Ms. ******** for her review. We
  do regret any inconvenience that Ms. ******** may have experienced and hope
  that the above information assists in resolving 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***** Compliance
  Coordinator

• Initial Complaint

  Date:06/09/2023

  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.

  Better Business Bureau:
  
  I have reviewed the respons made by the business in reference to complaint ID ********* and find that this resolution is satisfactory to me. 
  
  Regards,
  
  ***** ** ** ***
  
  
  
  
  
  
  
  
  rocessing and completed payments.
  
  Date 05/28/2023
  Amount $212.62
  Status Success"
  
  Please also note the email received after payment was processed:
  
  "Thank you for your payment
  
  Creditor: **** ** ******** N.A.
  Our Reference #: 53850631
  Creditor Account Ending In: 3824
  Account Balance: $472.47
  The $212.62 payment you made on 5/28/2023 successfully processed"
  
  Please correct errors on your end as soon as possible.
  
  Please update credit bureaus as soon as possible.

  

  Business Response

  Date: 06/22/2023

  June
  20, 2023,
  Thank
  you for your correspondence dated June 12, 2023, 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 3,
  2023, **** ** ******** N.A. placed Mr. ** ** ****s account with our office to
  collect on this debt.
  On
  May 28, 2023, Mr. ** ** *** settled his **** ** ******** N.A. account in the
  amount of $212.62. When a consumer completes a settlement, the account is considered
  settled in full and the remaining balance is not owed.
  We
  do reflect that Mr. ** ** *** sent two emails to our office, one on June 5, 2023,
  and one on June 9, 2023. Responses were sent to Mr. ** ** *** on June 9, 2023.
  Firstsource
  Advantage, LLC does not credit report. For concerns regarding the credit
  reporting of this account, we recommend Mr. ** ** *** contact **** ** ********
  N.A. directly 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:05/24/2023

  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.

  Firstsource has been calling me and harassing me regarding a bill but they wouldn't hang up on me because I don't go by my middle name which I thought was odd but they did say the company name that I supposedly owed and I thought that was odd due to the fact everything of mine had to get changed like my password,bank account,new phone and ect due to the fact my identity was stolen and everything was hacked about the beginning to middle of the month of May. So they called again but this time they didn't care about the middle name the person stated I owed a bill to **** plus which I didn't because I contacted them and they said no I don't owe nothing and that company is trying to scam I have the transcript from our conversation **** plus and me (****** ******) firstsource said yes you owe $40 then said $65 they didn't even have the amount right and said I had several account's with them which I don't and if there is I didn't do it... I told them that it was a scam and contact the company and they stated I didn't owe anything so she transferred me to someone else come to find out it was a scam this happened in Korea which I live in Michigan but they wanted my drivers license and bank account and routing number and I refused to do that and they wouldn't get anyone else to help me but yet they have all my personal information and they know it's coming out of Korea and still won't help me cuz I refuse to give them my new banking information

  

  Business Response

  Date: 06/06/2023

  Thank
  you for your correspondence dated May 25, 2023, relating to the above consumer. Per
  our standard complaint process, a thorough investigation of the allegations was
  performed.  ******* Payment Solutions,
  LLC placed 13 accounts in our office for Ms. ******. Payments were made to ***** ********* which were returned unpaid. ******* Payment Solutions, LLC has paid ****+
  ********* for the unpaid ACH transactions. On
  May 24, 2023, Ms. ****** spoke to our representative who attempted to verify
  that we were speaking to the correct person. Our records do show Ms. ******’s
  full name ****** ***** ******. The representative advised Ms. ****** of the
  balance, and initially stated $40.00 as that reflects on the account as the
  principal amount without fees, however the total balance due with fees added is
  $65.00 The representative clarified that with the fees, the total balance is
  $65.00. As
  Ms. ****** advised the representative that the balances were fraud, she was
  transferred to ******* Payment Solutions, LLC. It was on this portion of the
  call in which the ******* Payment Solutions, LLC representative asked for Ms.
  ******’s driver’s license number and bank account details. Ms. ****** did not
  feel comfortable providing the information to ******* Payment Solutions, LLC and
  the representative was unable to further assist with the claim without the information.
   Per the conversation with our office,
  Firstsource Advantage, LLC updated Ms. ******’s accounts in our office with her
  fraud claim. Please
  note that Firstsource Advantage, LLC does not report to the credit bureaus. For
  any concerns regarding the credit reporting, we would recommend that Ms. ******
  contact ******* Payment Solutions, LLC directly at ###-###-####.Upon receipt of this complaint, Firstsource Advantage,
  LLC notated Ms. ******’s accounts with her complaint, and requested validation of
  debt on each of the accounts.  On June 5,
  2023, the validation of debt was sent to the address we have on file for Ms.
  ******. We
  do regret any inconvenience that Ms. ****** may have experienced and hope that
  the above information assists in resolving 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*****Compliance
  Coordinator

• Initial Complaint

  Date:05/16/2023

  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 being harassed by first source advantage llc. They are trying to collect on a debt that I am disputing. I asked them to send me an email which they claimed not to have. I don’t know a business which does not have an email address. They were required by law to send me a certified letter by mail within 5 business days of contact and they have refused to send that mail. I have requested a debt validation letter, proof of debt assignment and proof that they are licensed to collect debt in the state of MD and they have not sent it and are claiming they don’t have the paper work. I am disputing this debt. I see they are on my credit report I will advise them to stop until I receive the paper work. If this paperwork is not received within 30 days under the law this debt is considered canceled and should not be reported to my credit report. I REPEAT I AM DISPUTING THE DEBT. I need all the documents I have requested. The so called manager was so rude and hung up the phone on me again violating the fair debt collection practices. This is the number attached

  

  Business Response

  Date: 05/31/2023

  May 23, 2023,
  Re:
  ********* ***** *****
  Case
  ID: ********
  Thank
  you for your correspondence dated May 17, 2023, relating to the above consumer.
  Per
  our standard complaint process, a thorough investigation of the allegations was
  performed.  ******* ******* *********,
  LLC placed two accounts in our office for Ms. ***** *****. Ms. ***** ***** made
  two payments to ***** ** ****** *** on February 26, 2023, each in the amount of
  $375.00 which were returned unpaid. ******* ******* *********, LLC has paid ***** ** ****** *** for Ms. ***** *****’s unpaid *** transactions.
  On
  April 3, 2023, and April 17, 2023, Firstsource Advantage, LLC sent letters to
  Ms. ***** *****’s address she lists in her complaint, however we received mail
  returns.
  On
  May 8, 2023, Ms. ***** ***** spoke with a representative and requested we send
  her an email. Please note that on ******* ******* *********, LLC accounts, our
  collection representatives are unable to correspond via email.  Ms. ***** ***** requested validation of debt
  and the representative failed to update the account with the request at that
  time. The representative has been counseled and written disciplinary action
  will be kept on file.
  On
  May 16, 2023, we do not reflect the representative refusing to send Ms. ***** ***** any letters via mail. Our representative asked Ms. ***** ***** to verify
  a good address and she provided **** ******** *** ******* ** ****** This address
  is different than the one Ms. ***** ***** provides in her complaint.
  Please
  note, Firstsource Advantage, LLC does not credit report and if Ms. ***** *****
  has any further questions regarding the credit reporting, we would recommend
  that she contact ******* ******* *********, LLC directly at **************.
  Upon receipt of this complaint, Firstsource Advantage,
  LLC notated Ms. ***** *****’s account with her complaint. On May 23, 2023, the validation
  of debt was mailed to the address Ms. ***** ***** provided.
  We
  do regret any inconvenience that you may have experienced and hope that the above
  information assists in resolving your 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
  
  

• Initial Complaint

  Date:05/15/2023

  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.

  Missed a call from this business and the person who left a message doesn’t even speak English, couldn’t understand anything they said. Called back to find out what they wanted and the other employees I spoke with barely spoke English. Would not confirm or deny if they were a bill collector, telemarketer or whatever without me providing personal information over the phone. A simple yes or no question, are you a bill collector they won’t answer. Don’t call me if you don’t speak English and cant tell me what you even want.

  

  Business Response

  Date: 05/24/2023

  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 May 12, 2023, ******** ******* placed Ms. ********’s account ending
  in **** with our office to collect this debt. Firstsource
  Advantage, LLC reviewed the voicemail message left for Ms. ******** and we were
  able to clearly understand the message.  We
  also reviewed the call recording where Ms. ******** spoke to our representative.
  Per our process, we are unable to provide any information prior to customers verifying
  their information. This is to protect our customers’ privacy and ensure we do
  not release any information to third parties. As Ms. ******** would not verify,
  we were unable to answer her questions. Upon
  receipt of this complaint and per Ms. ********’ request, we have closed this account
  in our oiffce as a cease and desist. For any further concerns regarding this account,
  we would recommend that Ms. ******** contact ******** ******* directly at ###-###-####. We
  do regret any inconvenience Ms. ******** may have experienced and hope her
  concerns have been addressed. 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, Nicholette
  C********** Compliance
  Manager

• Initial Complaint

  Date:04/30/2023

  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 have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 
  
  Regards,
  
  ******* *****
    the Gramm-Leach Bliley Financial Protection Act, has been violated. I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. These misstatements are punishable as perjury under 18 U.S.C. 1621. This item isn't related to any transaction that I made. I am alleging that an unauthorized person or company used my personal identifying information to apply for goods, services, or money; and was successful in creating this account. this has caused me to suffer and its defamation of my character.

  

  Business Response

  Date: 05/04/2023

  Thank
  you for your correspondence dated May 1, 2023, 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 March 17,
  2023, ********* Bank placed Mr. *****’s ******** ********* Furniture account
  ending in **** with our office to collect on this debt. Firstsource
  Advantage, LLC does not reflect receiving any prior validation of debt requests
  from Mr. *****. On March 29, 2023, ********* Bank notified our office that they
  received a dispute.  Please
  note that Firstsource Advantage, LLC does not credit report and the credit reporting
  is handled by ********* Bank. Upon
  receipt of the complaint, Firstsource Advantage, LLC sent a request for validation
  of debt to ********* Bank and once the documentation has been received, we will
  forward to Mr. ***** for his review. Once the validation of debt has been sent,
  the account will be closed from our office as a cease and desist per Mr. *****’s
  request. The
  screenshot provided by Mr. ***** reflects licenses required by some states. Please
  note, that the State of Georgia does not require debt collection licenses. We
  do regret any inconvenience that Mr. ***** may have experienced and hope the
  above information and the information being sent to him, 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