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Complaint Details
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Initial Complaint
08/14/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I’m not liable for this debt with Conserve. I do not currently nor have I ever had a contract with Conserve. They have not provided me with the original contractual agreement as I’ve requested.Customer response
08/16/2024
A copy of the letter I sent to Conserve requesting them to provide me with validation of debt. I have no knowledge of this account and therefore should not be held liable.
Business response
08/27/2024
The business has responded to the complaint however has requested that their response not be published.Initial Complaint
08/09/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
Conserve is illegally reporting multiple collection accounts on my credit report. I have never done business with the company and have requested debt validation letters as well as physical copies of written agreements with my wet signature, the company has not provided anything.Business response
08/26/2024
The business has responded to the complaint however has requested that their response not be published.Initial Complaint
07/18/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
This company is trying to collect a debt from a **** ******* Account that was opened fraudulently using my personal information which i find to be very unethical and i am pretty sure it is against the law. I do not have any contracts with this business Conserve. **** ******* has received a police report along with FTC identity theft report and all other documentation needed to support my claim that this account was opened fraudulently , but for some reason decided to still sell this fraudulent debt.Business response
07/30/2024
On July 19, 2024, ConServe received a complaint from your offices, on behalf of the Consumer identified in ID 22011878 (the “Consumer). Therein, the Consumer states the account was opened fraudulently. The Consumer provides a police report as an attachment. The Consumer requests communications cease regarding the debt. Please accept ConServe’s apologies for the Consumer’s concerns.
Upon review, ConServe’s records reflect that the corresponding account was placed by or on behalf of the Creditor with ConServe on June 27, 2024. Following placement, ConServe’s records reflect that an initial validation notice for the account was mailed to the address of record on July 2, 2024, without any indication of return mail. Please note the Creditor has always remained as the owner of the corresponding account, and the account was never acquired by ConServe. To the contrary, the account was placed with ConServe for collection purposes only, and thus of course ConServe does not have a direct contractual relationship with the Consumer.
Please note that the corresponding account was closed in ConServe’s office and returned to the Creditor on July 22, 2024. As a result of the closure, the account will no longer be collected by ConServe, and it is noted that the account was never credit reported by ConServe. Based on the return of the account to the Creditor, the Consumer is advised that the Creditor should be contacted for any further account inquiries.
200 CrossKeys Office Park ? PO Box 7 ? Fairport, NY 14450 ? ###-###-#### ? ###-###-####
Should you have any questions regarding the foregoing, please do not hesitate to contact me at ###-###-####, extension **** or by email at **************************. Thank you.
Sincerely,
ConServe
Melissa L*****, Esq.
Consumer Advocate and Complaint Response Specialist
MRL/acInitial Complaint
07/07/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
Pursuant to the Fair Debt Collection Practices Act 12 CFR 1006.6c I'm asking to be shown "VALIDATION" & NOT "verification" made pursuant to the above-named Title and Section. CONSERVE offices have reported "INVALIDATED" information to the 3 major Consumer Reporting Agencies (*******, ********, or **********) this action may constitute fraud under both Federal and State Laws. CFPB I'm asking that you hold any Debt Reporting Agencies accountable to comply with the Fair Debt Collection Practices Act. The total amount is $688Business response
07/22/2024
The business has responded to the complaint however has requested that their response not be published.Initial Complaint
06/30/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
Subject: Dispute of Unauthorized Credit Report Inquiry I am writing to formally dispute the unauthorized inquiry on my credit report, as permitted under the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681. I have reviewed my credit report and discovered that Conserve has obtained my credit information without my explicit written consent. According to 15 U.S.C. § 1681b(c), a consumer reporting agency may furnish a consumer report only under specific circumstances and with the consumer's explicit authorization. I did not provide any such authorization to Conserve, nor did I consent to the furnishing or obtaining of my information. I request that you: 1. Conduct a thorough investigation of this unauthorized inquiry by mail. 2. Provide me with a copy of any written consent or documentation that [Name of Company] claims to have regarding this inquiry. 3. Remove the unauthorized inquiry from my credit report with a letter of removal 4. Provide written confirmation once the inquiry has been removed. Please consider this letter a formal request for an investigation under the FCRA. I expect to receive a response within the 30-day timeframe mandated by the Act. Enclosed are copies of my credit report highlighting the unauthorized inquiry reported April 24,2024 as well as a copy of my ID for verification purposes. Thank you for your prompt attention to this matter. Sincerely, ****** ****** ***********Business response
07/12/2024
The business has responded to the complaint however has requested that their response not be published.Initial Complaint
06/29/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am not liable for this debt with CONSERVE, I do not have contract with CONSERVE, they did not provide me with the original contract as I requested.Business response
07/03/2024
On July 2, 2024, ConServe received a complaint from your offices, on behalf of the Consumer identified in ID ********* (the “Consumer”). Therein, the Consumer states he is not liable for the debt and does not have a contract with ConServe. Additionally, the Consumer advises they were not provided with the original contract as requested. The Consumer requests that credit reporting be corrected and the removal of the account from his credit report, and he also requests proof that he owes the debt be provided. Please accept ConServe’s apologies for the Consumer’s concerns.
Upon review, ConServe’s records reflect that the corresponding account referenced by the Consumer was placed by or on behalf of the Creditor with ConServe on February 4, 2020. Following placement, ConServe’s records reflect that an initial validation notice for the account was mailed to the address of record on February 5, 2020, without any indication of return mail. Efforts to reach the Consumer by telephone, at the same number provided by the Consumer with his complaint, were unsuccessful. Additionally, please note the Creditor has always remained as the owner of the corresponding account, and the account was never acquired by ConServe. To the contrary, the account was placed with ConServe for collection purposes only, and thus of course ConServe does not have a direct contractual relationship with the Consumer.
ConServe’s records reflect that a dispute received on the Consumer’s behalf via e-Oscar (Online Solution for Complete and Accurate Reporting), dated February 17, 2023, with subsequent e-Oscar disputes also submitted June 22, 2024, June 27, 2024, and June 29, 2024. As a result of the disputes received, ConServe had requested additional account documentation information from the Creditor. In response, the documentation provided by the Creditor, includes a letter of explanation regarding the account balance from the Creditor, course credit information, and Student Financial Obligation Agreement with electronic acceptance data. A copy of this account documentation, supplied by the Creditor, will be mailed to the Consumer under separate cover.
In that regard, based upon the account documentation provided by the Creditor, it is clearly indicated that the Consumer is responsible for the corresponding debt. Further, please be advised that based upon its underlying collection efforts, ConServe is fully authorized to credit report the account on behalf of the Creditor. As a result, it would be impermissible to request that the account be removed from credit reporting, and ConServe cannot agree to do so. Pursuant to the Fair Credit Reporting Act (FCRA), as a data furnisher, ConServe is required to accurately report updates to an account and based upon the information provided by the corresponding credit reporting agencies, the account is accurately reflected as an open and disputed collection account. As the account information is accurate, ConServe is unable to modify or remove an accurately reported account from a credit report and at the same time comply with the FCRA.
Should you have any questions regarding the foregoing, please do not hesitate to contact me at ###-###-####, extension **** or by email at *******************.com. Thank you.
Sincerely,
ConServe
Melissa L*****, Esq.
Consumer Advocate and Complaint Response Specialist
MRL/acCustomer response
07/03/2024
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.CONSERVE has still not provided proof of documentation to substantiate the debt.The burden of proof falls on the collection agency, not the consumer (me).I find it concerning that CONSERVE collections are not complying with legal requests. I request that CONSERVE collection provide proof they sent debt validation, as is my legal right.If CONSERVE cannot provide proof, I demand this account be removed from my credit report as is my legal right per FCRA section 623.(a)(i). This is my last request before I file a formal complaint with the CFPB and the FTC. Regards,******* ******Initial Complaint
06/28/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am not liable for this debt with ONONDAGA COMM COLL. I do not have a contract with CONSERVE. They did not provide me with the original contract as requested.Business response
07/15/2024
On June 28, 2024, ConServe received a complaint from your offices, on behalf of the Consumer identified in ID ******** (the “Consumer”). Therein, the Consumer states he is not liable for the debt and does not have a contract with ConServe. Additionally, the Consumer advises he was not provided with the original contract as requested. The Consumer requests that credit reporting be corrected and the removal of the account from his credit report. Please accept ConServe’s apologies for the Consumer’s concerns.
Upon review, ConServe’s records reflect that the corresponding accounts were placed by or on behalf of the Creditor with ConServe on September 16, 2021, October 28, 2021, and March 23, 2022, respectively. Following placement, ConServe’s records reflect that an initial validation notice for each account was mailed to the address of record for the Consumer, without any indication of return mail. Additionally, please note the Creditor has always remained as the owner of the corresponding accounts, and the accounts were never acquired by ConServe. To the contrary, the accounts were placed with ConServe for collection purposes only, and thus of course ConServe does not have a direct contractual relationship with the Consumer.
Additionally, ConServe’s records reflect multiple prior disputes received by or on behalf of the Consumer, with the earliest such dispute dating back to December 12, 2023. As a result of this dispute, ConServe requested additional account documentation information from the Creditor. In response, the documentation provided by the Creditor, includes an Account Summary with an itemization of charges, course registration and enrollment information, and account demographic information. A copy of this account documentation supplied by the Creditor was previously mailed to the Consumer by ConServe on December 12, 2023, with no indication of a mail return. In light of the current complaint, however, an additional copy of this prior mailing will be mailed to the Consumer under separate cover.
In that regard, based upon the account documentation provided by the Creditor, it is clearly indicated that the Consumer is responsible for the corresponding debt. Further, please be advised that based upon its underlying collection efforts, ConServe is fully authorized to credit report the account on behalf of the Creditor. As a result, it would be impermissible to request that the account be removed from credit reporting, and ConServe cannot agree to do so. Pursuant to the Fair Credit Reporting Act (FCRA), as a data furnisher, ConServe is required to accurately report updates to an account and based upon the information provided by the corresponding credit reporting agencies, the corresponding accounts are accurately reflected as open and disputed collection accounts. As the account information is accurate, ConServe is unable to modify or remove an accurately reported account from a credit report and at the same time comply with the FCRA.
Should you have any questions regarding the foregoing, please do not hesitate to contact me at ###-###-####, extension **** or by email at *************************** Thank you.
Sincerely,
ConServe
Robert S. L**** Esq.
General Counsel
RSL/acInitial Complaint
06/27/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am requesting a mediation with Conserve. They reported an alleged debt they cannot prove I owe, cannot prove they had the right to collect, and cannot prove is legally enforceable. They then went ahead and furnished this alleged debt to credit reporting agencies causing my score to lower and miss out on the opportunity to secure a loan I desperately needed to continue my education. This has led to a slew of damages in my life. Regardless of whether them furnishing to credit reporting agencies without a safe harbor for sending mail can officially be recognized as a violation of Regulation F § 1006.30(a), the mere fact that they furnished information to credit reporting agencies is considered collection activity. Given they have been unable to prove I owe this alleged debt, they legally can collect this alleged debt, and that this alleged debt is even legally enforceable, they should have never embarked on collection activity to begin with. They have therefore violated provisions under the FDCPA, FCEUA, and UTPCPL. For over a month now, I have been in communication with Conserve to come to an amicable settlement for the damages they have caused me to no avail. Therefore, I am filing this complaint in hopes to get a response from Conserve agreeing to a mediation. Additionally, I am requesting Conserve notify the creditor that they will no longer partake in collection activity on their behalf. Conserve told me they will do that in writing 2 weeks ago but have failed to do so.Business response
07/02/2024
The business has responded to the complaint however has requested that their response not be published.Customer response
07/02/2024
I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. I sent Conserve a letter notifying them that if they do not have any other documents to provide proof that I allegedly owe this alleged debt and that it is legally enforceable then stop collection activity immediately. Given the stipulation I placed on the cease collection activity directive and given their willingness to cease collection activity, they do have further proof I owe this alleged debt and that it is even legally enforceable. Regards, ******** *******Business response
07/03/2024
The business has responded to the complaint however has requested that their response not be published.Initial Complaint
06/11/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
6/11/2024 Taxpayer authentication # ********** Conserve sends me a 2 page letter claiming to be a debt collector for my *** debt with 3 sides of details and misc consumer rights. HOWEVER they won't talk to me about the debt without me identifying myself further as to my association with the business claiming *** guidelines. If this is REQUIRED why would they not put this at the very top of the first page. What a joke of a business and waste of my time. Who calls to pay anothers debt? Is that a real problem in America??Business response
06/14/2024
The business has responded to the complaint however has requested that their response not be published.Initial Complaint
06/04/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
They are reporting information on my credit report that is affecting me. I want the collection account to be removed from my credit report. Account ********Business response
06/12/2024
The business has responded to the complaint however has requested that their response not be published.Customer response
06/12/2024
I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. The dates provided on the letter are inaccurate as this was paid in 2023. There was no knowledge of the account until it was reported to my credit in which time I paid it. I was advised that it would be deleted and I urge that they delete this account from my record. Regards, **** *******Business response
06/20/2024
The business has responded to the complaint however has requested that their response not be published.
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Get a QuoteCustomer Complaints Summary
103 total complaints in the last 3 years.
44 complaints closed in the last 12 months.