Complaints

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

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  ConServe

  200 Cross Keys Office Park Fairport, NY 14450-3510

  
• 

  ConServe

  201 Como Park Blvd Cheektowaga, NY 14227-1416

  
• 

  ConServe

  95 Methodist Hill Drive Henrietta, NY 14467

  

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:02/11/2025

  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 not liable for this debt and I do not have a contract with CONSERVE plus they did not provide me with the original application like I asked.
  Account No: ****  Amount Disputed: $239

  

  Business Response

  Date: 02/21/2025

  The business has responded to the complaint however has requested that their response not be published

• Initial Complaint

  Date:01/15/2025

  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.

  I am not liable for this debt with CONSERVE, I do not have a contract with CONSERVE , they did not provide me with the original contract as I requested

  

  Business Response

  Date: 01/24/2025

  The business has responded to the complaint however has requested that their response not be published.

  Customer Answer

  Date: 01/24/2025

  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 wasn’t sent any kind of letter and I don’t have a card with conserve so I shouldn’t have conserve on my credit report I didn’t open an account on October 24 2024 
  
  Regards, 
  
  ***** ******

• Initial Complaint

  Date:01/13/2025

  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’m not liable for this debt with **** ******* ****** *****, I do not have a contract with *********** ******* ***** ***. They did not provide me with the original contract as i requested.

  Customer Answer

  Date: 01/16/2025

  Here is a screen shot of me requesting in my dispute for original copies and proof of ownership to this account.

  

  Business Response

  Date: 01/21/2025

  The business has responded to the complaint however has requested that their response not be published.

  Customer Answer

  Date: 01/22/2025

  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:12/30/2024

  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 have contacted Conserve on 12/27/24 to address concerns regarding the violation of my privacy rights and the New York Privacy Act. Specifically, they failed to safeguard my personal information, which was obtained by the ********** ** ******* ******* without my consent. This information, including my name, cell phone number, address, and Social Security number, was improperly disclosed to ********, *******, and **********.
  
  At no point did I authorize the disclosure of my personal information. Furthermore, I have informed them that I am not liable for the debt they are asserting, as I have no agreement or contract with Conserve. I am prepared to provide audio evidence to substantiate these interactions if needed.

  

  Business Response

  Date: 01/07/2025

  The business has responded to the complaint however has requested that their response not be published.

• Initial Complaint

  Date:11/24/2024

  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 debt they say in there letter doesn't
  Give proof that I owe this from the state.
  I was homeless for 6 months, I had no money coming in and haven't been working for 3 years. I had no address to give to the
  Post office and no phone because it was to
  Far behind. I'm really angry with these debt hungry tarants.

  

  Business Response

  Date: 11/27/2024

  Dear Kevin: On November 25, 2024, ConServe received a complaint from your offices, on behalf of the Consumer identified in ID ******** (the “Consumer”). Therein, the Consumer states the letter received does not provide proof that this is owed. The Consumer requests an explanation of the charges. 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 October 14, 2024. Following placement, ConServe’s records reflect that initial validation notice for the account was mailed to the address of record on October 25, 2024, without indication of return mail. The Consumer’s complaint is the first correspondence received by ConServe on behalf of the Consumer. In any event, the Consumer’s complaint has been submitted to the Creditor for further review and consideration, and based upon its contents, a full cease and desist has been noted by ConServe and the account has been returned by ConServe to the Creditor. As a result, for any further inquiries, the Consumer is advised to contact the Creditor directly. Should you have any questions regarding the foregoing, please do not hesitate to contact me at***** ********, extension **** or by email a* *************************** Thank you. Sincerely, ConServe

• Initial Complaint

  Date:11/04/2024

  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.

  It appears that you have turned this item on my credit report into charge off and send it to collection this account looks weird to me.The last date of activity,the date of last payment.Everything on this account is incorrect on my credit report can you please delete this item for my credit report because it is not accurate.
  Thank you

  

  Business Response

  Date: 11/18/2024

  The business has responded to the complaint however has requested that their response not be published.

  Customer Answer

  Date: 11/19/2024

  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  This does not resolve my complaint because,it is not accurate and it’s not complete.  It still appears on my credit report they turned this item on my credit report into a charge off but I never received the 1099 can they be so kind to send me 1099 for the actual item that is charged off due to my financial hardship please. Thank you! 
  
  Regards, 
  
  ******* ********

  

  Business Response

  Date: 11/27/2024

  The business has responded to the complaint however has requested that their response not be published.

  Customer Answer

  Date: 11/27/2024

  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 burden of proof falls on the collection agency not the consumer(******* ********).I find it concerning that Conserve is not complying with legal requests.I request Conserve agency provide proof they sent debt validation,as is my legal right.If Conserve cannot provide proof,I demand this account charge off be removed from my credit report as is my 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

  Date:10/17/2024

  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.

  Dear Better Business Bureau,
  
  I am filing a formal complaint against *********** ******* ****** *** (ConServe), a debt collection agency attempting to collect a debt they allege I owe to **** ******* ****** *****. This collection activity is unwarranted and has caused undue harm to my financial standing and peace of mind. The handling of this matter by ConServe has been highly unsatisfactory and rooted in unsubstantiated claims.First, I have never signed an agreement or contract with ConServe, nor have I received verifiable proof of any contract with **** ******* ****** ***** that would justify this debt. ConServe has failed to provide the original contract, loan terms, or any legally binding documentation despite my requests. This is a clear violation of the Fair Debt Collection Practices Act (FDCPA), which entitles me to a validation of the debt. ConServe’s letters also contain irrelevant information that casts doubt on the legitimacy of this claim. They’ve offered discount options and payment plans without addressing my requests for debt verification. The entire process has been opaque, frustrating, and dismissive of my core concern — their failure to produce legally binding proof of debt. Furthermore, **** ******* ****** ***** has never notified me of this alleged debt, which I find suspicious. ConServe’s communications contain details like phone numbers and web links, none of which pertain directly to **** *******. This raises questions about the legitimacy of the debt. ConServe has continued to report this debt on my credit report even after my dispute, threatening my financial reputation without verified grounds. Their actions are predatory.
  I request that the BBB investigate this matter. I am not liable for this debt, and I ask that it be removed from my credit report immediately. ConServe should cease all collection activities unless they can provide legal proof of my obligation.
  Thank you for your assistance.
  Sincerely,
  ****** *****

  

  Business Response

  Date: 10/24/2024

  On October 18, 2024 ConServe received a complaint from your offices, on behalf of the Consumer identified in ID ********  (the "Consumer").  Therein, the Consumer states he does not have a contract with ConServe and not provided with the original contract as requested.  The Consumer expresses concern regarding the legitimacy of the debt.  The Consumer requests that credit reporting be corrected and removed with all collection activities ceased.  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 August 29, 2024.  Following placement, ConServe's records reflect that an initial validation notice for the account was mailed to the address of record on August 30, 2024, without any indication of return mail.Regarding the request for a copy of the contract with ConServe, 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.  In that regard, while the Consumer indicates violations under the FDCPA, he fails to provide any supporting information to indicate the alleged violations which occurred.  ConServe expressly denies and refutes any such claims.Please note that the corresponding account was closed in ConServe's office and returned to the Creditor on October 18, 2024.  As a result, 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 or reporting inquiries.  Should you have any questions regarding the foregoing, please do not hesitate to contact me at ********** extension ***** or by email at **********************.  Thank you.

• Initial Complaint

  Date:10/17/2024

  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 Conserve, I do not have a contract with ******* *******, they did not provide me with the original contract as I requested. Moreover, I never received any communication via mail or phone call in regards to this debt. This collection item has an extremely negative impact on my perfect credit record and I need this discrepancy rectified immediately. This derogatory remark has been removed from my ******** but still remains on my ******* and ********** reports Please see my attached credit reports for reference

  

  Business Response

  Date: 10/28/2024

  The business has responded to the complaint however has requested that their response not be published.

• Initial Complaint

  Date:10/08/2024

  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 ConServe they did not provide me with the original contract as I requested.

  Customer Answer

  Date: 10/10/2024

  as advised done the original Creditor via TELEPHONE response , the amount requested is a charge off with that being said a 1099 C was suppose to be given in which they failed to do so . Per ******* ******* this Debt was Charged off /Forgiven. However Conserve bought the debt under pennies of the dollar and is not charging me over $500 for a forgiven debt . This is unfair. 

  

  Business Response

  Date: 10/24/2024

  On October 14, 2024, ConServe received a complaint from your offices, on behalf of the Consumer identified in ID ******** (the "Consumer").  Therein, the consumer states she 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.  An additional comment is made referencing the purchase of the account.  Please accept ConServe's apologies for the Consumer's concerns.  Upon review, ConServe's records reflect that five corresponding accounts were placed by or on behalf of the Creditor with ConServe.  The first account was placed on October 1, 2021, the second on October 3, 2022, the third and fourth on October 4, 2022, and the fifth account on November 28, 2022.  Following placement, ConServe's records reflect that an initial validation notice for each account was mailed to the address of record, without any indication of return mail for any of the five notices.  Of the five accounts placed with ConServe by the Creditor, two remain open with a balance reflected.  ConServe has received no indication from the Creditor that the two amounts were previously paid, forgiven or otherwise invalid.  Additionally, please note the Creditor has always remained as the owner of the corresponding accounts, and all the accounts were never acquired by ConServe.  To the contrary, the account were placed with ConServe for collection purposes only, and thus of course ConServe does not have a direct contractual relationship with the Consumer.As a result of the present complaint, ConServe requested additional account documentation information from the Creditor.  In response, the documentation provided by the Creditor, includes a letter of explanation from the Creditor for the account balances involved, credit academic history, registration history, final notice correspondence, Broward Authorization Information Form with electronic acceptance data, student financial data and student demographics information.  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 the the Consumer is responsible for the corresponding accounts.  Further, please be advised that based upon its underlying collection efforts, ConServe is fully authorized to credit report the amount 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 based upon the information provided by the corresponding credit reporting agencies, the account is accurately reflected, where reporting 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.  

• Initial Complaint

  Date:10/07/2024

  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 received a phone call back in the middle of September 2024 from Conserve for a debt that was discharged in my Chapter 7 bankruptcy case. I was told this account wasn't listed on my case. However, this appears to be a mistake which was corrected with my attorney. In the District of Minnesota even omitted debts are discharged. I submitted a dispute and haven't heard back. As of 10/2/2024, Conserve and ***** **** ****** ***** are listed on the creditor matrix for my case. This debt is discharged. I would like an update with details on the status of this account/dispute.

  

  Business Response

  Date: 10/21/2024

  The business has responded to the complaint however has requested that their response not be published.

  Customer Answer

  Date: 10/21/2024

  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.  
  
  Regards, 
  
  ****** ******