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:09/23/2025

  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 am writing to formally demand that you immediately cease and desist from all further communication with me, my family, my workplace, or any other third parties regarding the alleged loan you claim I owe.
  
  I have no knowledge of any such loan, and your repeated phone calls, emails, and attempts to contact my family and place of employment are inappropriate, harassing, and unacceptable. Contacting third parties regarding this matter is a violation of my rights and will not be tolerated.
  
  Effective immediately, you are directed to:
  1. Stop contacting my family, workplace, or any other third party.
  2. Cease all phone calls and email communications with me, except as legally required in writing.

  Business Response

  Date: 09/23/2025

  Dear Sir/Madam,
  We have received a delinquent Balance Credit account in our
  office on August 5th, 2025, for Mr. ********.   We sent out a letter as well as an email to
  the mailing address and email listed by Mr. ********.  I do see on two occasions we did try to reach
  out via the phone. The loan application filled out by Mr. ******** did include
  his work number and his cell phone for primary contact. As far as any third-party
  messages are left, we follow all FDCPA guidelines on calls as well as Reg F
  voicemails.  No personal information
  would be given out to anyone regarding the account other than Mr. ********
  himself.  At this time, we have gone
  ahead and put the account into Cease & Desist so there is no further
  contact made on our end.  If Mr. ********
  does wish to handle the account, they can call our office or go on our online
  portal to make payment. 
  
  Sincerely,
  
  Compliance Department

  Customer Answer

  Date: 09/23/2025

  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. There are to make no contact with me or anyone else about this matter. They reached out to family members who I'm estranged from and numbers that I have never listed anywhere and Im sure thats illegal somehow.  If they no longer contact me or anyone, I'll be satisfied. 
  
  
  
  Regards,
  
  
  
  ***** ********
  
  
  
  
  
  
  
  
  

• Initial Complaint

  Date:09/18/2025

  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 RRS regarding a debt they claim I owe. On September 18th, a representative from RRS contacted me, when I didn’t answer, they implied they would contact my place of employment, which is inappropriate and potentially violates the Fair Debt Collection Practices Act (FDCPA).
  
  As of today, I am exercising my legal right under 15 U.S. Code § 1692c(c) and requesting that RRS cease all communications with me regarding this account. This includes calls to my workplace, cell phone, email, physical address, and any contact to my family members.

  Business Response

  Date: 09/18/2025

  Dear Sir/Madam,We received a delinquent Balance Credit account in our
  office on August 5th, 2025, for Ms. *******.   We sent out a letter as well as an email to
  the mailing address and email listed by her.  
  On September 18th, 2025, we did attempt to contact Ms.
  ******* on the telephone to discuss the matter. 
  I do see that the two contact numbers listed by her on the loan
  application were the work and cell phone. 
  Now that we have received the Cease & Desist notice it has been
  documented in the account, and we have moved the account into a Cease &
  Desist status so there will be no further contact made by us.  If there are any questions or Ms. *******
  would like to satisfy this account, she can call our office or go on our portal
  to make payment.    Sincerely,Compliance Department

• Initial Complaint

  Date:09/16/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Revenue Reporting Services has been calling my personal phone and my direct line at work for a debt I an unaware of. The last call I received said they would be contacting HR. I have never received anything in the mail, just phone calls. They even called my son.

  Business Response

  Date: 09/16/2025

  Dear Sir/Madam,We have received a delinquent ****** ***** account in our
  office on May 28th, 2025, for Ms. *******.   We sent out a letter as well as an email to
  the mailing address and email listed by her. 
   On July 31st, 2025, we
  spoke to Ms. ******* regarding this account. 
  She stated she forgot all about it but wanted to resolve the
  matter.  We scheduled a hardship
  extension and the two contact numbers provided by Ms. ******* were her cell
  phone number, and the secondary was her work number.  We were handling the account, and she was in good
  standing until August 22nd, 2025, the payment plan defaulted and it
  went into a defaulted status.  At this time,
  we have made a few attempts to contact Ms. ******* to see what happened and
  find out if she still wants our help with this but we have not heard back.  Sincerely,Compliance Department

  Customer Answer

  Date: 09/16/2025

  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.
  Regards,
  ****** ******* I have received no correspondence by mail. I don’t need threats of them calling HR or calling family members. 

  Business Response

  Date: 09/17/2025

  Please see the attached loan documentation.

  Thank you,

  Compliance Department

• Initial Complaint

  Date:09/15/2025

  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 (along with numerous family members) received a call about a debt for a loan taken in March of this year. This is NOT a debt I incurred and, if it truly exists, is fraud. The email address they had on file was deactivated about 15 years ago. They said all debt info had been sent to that email AND mailed to my home address. I never received any mail. I further told the woman I spoke with there was no way info could have been sent to the email because it was, at one time, my work email and my company had done away with the domain. She said it was active because someone had used it to access their portal a number of times to view the debt. The loan was taken from a bank I never heard of.
  
  I explained that it was definitely not my debt. She asked if I had a police report. As this was the first time I was hearing about it, there is no police report. She explained that unless I had a police report, I was legally responsible for the debt. I asked if she could resend me all the information that had supposedly been sent to me so that I could file a police report. She said they were not allowed to mail it again. (WHAT?) but as a one time courtesy she could email it to me again. I gave her my REAL email address. I still have not received the information. I have checked my spam folder as well.

  Business Response

  Date: 09/16/2025

  I have received the complaint from your office regarding the
  above debtor.  We received an outstanding
  account from Balance Credit on September 4, 2025 at which time we sent out a
  CFPB Regulation F compliant letter to Ms. ********** at the mailing address on
  file as well as the email address on file. 
  We are able to see on our end that email communication to the email
  address we initially had on file has been opened and that our consumer portal
  was accessed.  On September 15, 2025, a
  representative from our office spoke with Ms. ********** and discussed the
  outstanding account, after proper verification was completed.  It is not uncommon for consumers to tell us
  that they have never heard of a loan company, that they did not receive the
  funds, that this is fraud, etc.  Unfortunately, we are unable to take someone
  at their word regarding this and must receive a copy of a filed police report
  to move the account to a status showing that it was a fraudulent transaction.  When Ms. ********** spoke with a
  representative at our office yesterday, she was sent a portal registration link
  to her updated email address so that she could quickly access the information that
  was being discussed.  We are able to see
  in our database that she clicked on the portal link and registered for an account
  at 3:58 PM EST on September 15, 2025.  Our
  representatives would not tell someone that we are unable to mail
  documents.  We do offer the option of
  emailing a portal registration link so that consumers are able to access their
  documents immediately as opposed to waiting for documents to come in the
  mail. 

  
  At this time, Ms. **********’s account has been placed in a
  refusal to pay status.  Should she wish
  to make arrangements to satisfy this outstanding account, or provide us with a
  police report, she can feel free to contact us at 1-888-312-8602.

  
  Should you or Ms. ********** have any questions relative to
  the above referenced ID, please do not hesitate to contact our office toll free
  at 1-888-312-8602 Monday through Thursday 8:30am - 5:00pm EST and Friday 8:00am
  - 3:00pm EST. 
  
  Sincerely,
  
  Compliance Department

  
  

• Initial Complaint

  Date:09/10/2025

  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 writing to formally demand that you immediately cease and desist from all further communication with me, my family, my workplace, or any other third parties regarding the alleged loan you claim I owe.
  
  I have no knowledge of any such loan, and your repeated phone calls, emails, and attempts to contact my family and place of employment are inappropriate, harassing, and unacceptable. Contacting third parties regarding this matter is a violation of my rights and will not be tolerated.
  
  Effective immediately, you are directed to:
  1. Stop contacting my family, workplace, or any other third party.
  2. Cease all phone calls and email communications with me, except as legally required in writing.

  Business Response

  Date: 09/11/2025

  I have received the complaint from your office regarding the
  above debtor.  We received an outstanding
  account from ******* ********* **** on September 3, 2025 at which time we sent
  out a CFPB Regulation F compliant letter to Mr. ***** at the mailing address on
  file as well as the email address on file. 
  We then attempted to reach him via phone.  At the time of this response, our office has
  not received any direct communication from Mr. ***** regarding his claim that
  he is disputing this debt nor regarding a cease and desist.  It should be noted that any attempts to reach
  Mr. ***** via a third party are in compliance with CFPB Regulation F
  standards.  At no time is any information
  given as to why we are attempting to locate him.  Mr. ******* outstanding account with our
  office has been placed in a cease and desist status at this time.Should Mr. ***** wish to resolve his outstanding account
  with our office, he can feel free to contact us directly at ###-###-####.  Should you or Mr. ***** have any questions relative to the
  above referenced ID, please do not hesitate to contact our office toll free at
  ###-###-#### Monday through Thursday 8:30am - 5:00pm EST and Friday 8:00am -
  3:00pm EST.  Sincerely, Compliance Department

• Initial Complaint

  Date:09/09/2025

  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.

  Was extremely combative and didn’t properly identify myself and did not state the mini Miranda. They would not provide attorney contact.

  Business Response

  Date: 09/10/2025

  Good Afternoon,I have received the complaint from your office regarding the
  above debtor.  We received an outstanding
  account from **** *********** *** **** on July 7, 2025.  A representative from our office originally
  spoke with Ms. ****** regarding her outstanding account on September 3, 2025 at
  which time Ms. ****** requested a validation of debt and then hung up on our
  representative.  Ms. ****** called back
  into our office and spoke with our Office Manager, at which time she asked for
  the call recording from her prior contact with our office.  Our Office Manager explained that we are only
  able to send call recordings if they are requested by an attorney.  Ms. ****** stated to our Office Manager that
  she would have her attorney reach out. 
  On September 9, 2025, the validation of debt documents were emailed to
  the email address on file for Ms. ******. 
  Ms. ****** continued to have email contact with our office asking for
  our attorney’s contact information multiple times. Each time, Ms. ****** was
  told that we do not employ an attorney at our agency.  As previously stated, she was told that if
  she wanted a call recording, her attorney would need to request that and she acknowledged
  that she would have her attorney reach out to us.  Ms. ****** was also provided the contact
  information for our Chief Compliance Officer and at the time of writing this
  response, she has not yet reached out.  At
  this time, Ms. ******’s account has been placed in a cease and desist status.Should Ms. ****** wish to resolve her outstanding account
  with our office, she can feel free to contact us directly at ###-###-#### and
  ask to speak with our Chief Compliance Officer, Stacy, at extension ***.  Should you or Ms. ****** have any questions relative to the
  above referenced ID, please do not hesitate to contact our office toll free at
  ###-###-#### Monday through Thursday 8:30am - 5:00pm EST and Friday 8:00am -
  3:00pm EST.  Sincerely, Compliance Department

• Initial Complaint

  Date:08/29/2025

  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 RRS regarding a debt they claim I owe. On August 28th, a representative from RRS contacted me, when I didn’t answer, they contacted my place of employment, which is inappropriate and potentially violates the Fair Debt Collection Practices Act (FDCPA).
  
  As of today, I am exercising my legal right under 15 U.S. Code § 1692c(c) and requesting that RRS cease all communications with me regarding this account. This includes calls to my workplace, cell phone, email, physical address, and any contact to my family members.

  Business Response

  Date: 09/02/2025

  Dear Sir/Madam,We have received a delinquent ****** ***** account in our
  office on July 25th, 2025, for Ms. *****.   We sent out a letter as well as an email to
  the mailing address and email listed by Ms. *****.  We then attempted to reach out to her via the
  phone.  The two numbers given by Ms.
  ***** on this loan application were her cell phone and her work number.  Our client ***** ********* is the one who has
  placed it on the credit report.  Our
  office doesn’t credit reports.  If the
  account is handled with us, we do notify the client to remove it from the
  credit bureaus.  At this time, we have
  moved the account into a Cease & Desist status and there will be no further
  contact made.  If Ms. ***** does wish to
  handle the account, she can call our office or go on our portal that was sent
  to her via email to make payment.  If the
  cease and desist is removed we can offer a payment extension if needed, however
  with a Cease & Desist in place we would need the full balance to be paid as
  per the contract so no further contact would be necessary.Sincerely,Compliance Department

• Initial Complaint

  Date:08/20/2025

  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.

  RRS has called my employer and distant relatives in order to collect a debt they claim i owe. I would like my account put on a Cease and Deist

  Business Response

  Date: 08/20/2025

  Dear Sir/Madam,We received a delinquent ****** ***** account in our office
  on July 25th, 2025, for Mr.******. 
  We sent out a letter as well as an email to the mailing address and
  email listed as Mr. ******.   On August
  11th, 2025, we spoke to Mr. ****** regarding this account, and he
  asked us to schedule a payment plan because he did not have the full balance as
  the contract stated.  We let him know if
  we did the payment plan and there weren’t issues it would be closed to a paid
  in full status and removed from the credit report.  At this time Mr. ****** defaulted his first
  payment today and it has been put back in a defaulted status.  On August 11th, 2025, when scheduling
  the payment plan with us the two numbers he had provided us for contact were a
  cell phone ###-###-#### and a work line ###-###-####.  He gave us an extension of 135 for him.  This morning when the payment defaulted, we contacted
  his cell phone, and he stated he’s at work and asked that we call him later
  after 3pm CST then hung up the call.  He asked
  us that we call him later today so if Mr. ****** doesn’t want to handle the
  account any longer please have him call our office and we can remove all
  payments and put it in a cease-and-desist status so our client knows it will
  not be taken care of with our office any longer.  Sincerely, Compliance Department

• Initial Complaint

  Date:08/15/2025

  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.

  These people are calling my family and work trying to get ahold of me regarding an issue that I have no idea about. They’ve also been emailing me constantly about a loan that I have no idea about. I’m furious because calling my family is completely inappropriate. They have no class and no morals.

  Business Response

  Date: 08/18/2025

  Dear Sir/Madam,
  We have received a delinquent TBO Bank/Atlas Loans account
  in our office on August 5th, 2025, for Ms. ********.   We sent out a letter as well as an email to
  the mailing address and email listed on the loan application. I know Ms. ********
  mentioned receiving emails and letters, however we did not know those were
  received because we never received any correspondence back.  We did attempt to leave messages and reached
  out via the phone as well.  If Ms. ********
  is confused about the delinquent account, we are more than happy to try to
  explain everything to her, but we would need her to call us back.  At this time, we have moved the account into
  a Cease & Desist status so there will be no further contact from our
  office.  If Ms. ******** would like to
  discuss she would need to reach out to us. 
  
  Sincerely,
  
  Compliance Department

• Initial Complaint

  Date:08/15/2025

  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 received a call from them requesting employment information. They said they had an employment verification form signed by me. They are attempting to garnish my wages. I asked who the original debt was through. I advised I was not aware of this debt, and I truly am not. I have to do more research about this debt and possibly file a governmental complaint. I have never received any emails or information about this alleged debt yet this company is trying to garnish my wages. How can they do this? Did someone, somewhere ever speak with me before allowing this debt to be taken out in my name? The answer is no.

  Business Response

  Date: 08/15/2025

  Dear Sir/Madam,
  
  We received a delinquent Balance Credit account in our
  office on August 5th, 2025, for Mrs. ********.  At that time a letter was sent out to the
  address and email address that she provided. 
  We attempted August 14th, 2025, to reach out and speak to her
  on the phone.  Mr. ******** called our
  office yesterday on August 14th, 2025, on Mrs. ********’s
  number.  We had Mr. ******** verify Mrs.
  ********’s information and he said he had permission to speak on her behalf.  Mrs. ******** was also in the background
  speaking as well. They said they were not familiar with this loan.  We provided them with all the information in
  our office we have as well as the bank information where the money was
  deposited so they could research it.  We
  also put a request of validation of debt into our client yesterday since they
  were not familiar with the account.  Our
  office is a third-party collections division, and we do not garnish wages.  We never stated on the call that her wages
  were being garnished.  They might have
  mentioned that the loan application information was verified as employment information,
  but our office would never tell someone they are going to be garnished because
  we do not reserve the right to do that. 
  He mentions he felt that he was being taken advantage of because he is
  disabled.  We let them know we were just
  calling to try to help resolve the matter and that we would send over the
  validation request once received back. 
  At this time the account is in Cease & Desist so no further contact
  is attempted and once we receive the validation of debt from our client that
  will be sent over.  Should Mr. or Mrs.
  ******** have any questions regarding this account they can call our office and
  ask for Madison at extension 106, she is the Office Manager and can assist.
  Sincerely,
  Compliance Department