Complaints

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

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  Bounce AI Inc.

  333 Metro Park Ste S205 Rochester, NY 14623-2632

  
• 

  Bounce AI Inc.

  3349 Monroe Ave Ste 331 Rochester, NY 14618-5513

  
• 

  Bounce AI Inc.

  2850 Clover St Ste 3 Pittsford, NY 14534-1755

  

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:11/25/2025

  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.

  To Whom It May Concern,
  
  I am writing to file a formal dispute and demand for correction regarding inaccurate and unauthorized information being reported by BOUNCE AI. Despite multiple good-faith efforts to resolve this matter directly with the company, it remains unresolved and in violation of federal consumer protection laws, including the Fair Credit Reporting Act (FCRA), 15 U.S.C. §1681 et seq.
  
  The specific account in question is as follows:
  
  Account Name: BOUNCE AI
  Account Number: REMOVED 
  Date Opened: 05/15/2025
  Reported Balance: $21,072
  
  This account contains inaccurate and unauthorized reporting, and therefore must be immediately investigated, corrected, or deleted in accordance with FCRA §611 (15 U.S.C. §1681i), which mandates that all information furnished to consumer reporting agencies must be verified as accurate and complete.
  
  I am requesting the BBB’s intervention in facilitating a lawful resolution of this matter, including the removal of any negative or false information associated with this account from all consumer reporting agencies.
  
  Enclosed are copies of supporting documents verifying my identity and current address, including my driver’s license, proof of residency, and Social Security card.
  
  Please treat this as a formal and final demand for investigation and correction. I expect a prompt and lawful response within the time frame required by federal law.

  

  Business Response

  Date: 12/08/2025

   Response to Complaint Dear REMOVED, We appreciate you reaching out to us via the Better Business Bureau regarding your concerns about our collection attempts. I’d like to preface our response by stating that it is our sincere desire to positively engage with complainants to address their concerns in a fair and practical way. We treat all allegations of misconduct with the utmost importance and all such matters are thoroughly investigated. In your complaint, you are disputing this debt and further stating the reported associated is inaccurate. For clarification, please note that the underlying account, which is the subject of this complaint,was established pursuant to a Personal Loan with REMOVED
  REMOVED. that was issued on 06/23/2022. Your account remained active with REMOVED
  REMOVED until it first went delinquent on 06/01/2024 and was then charged off on 01/31/2025 due to non-payment with a balance of $21,072.75. On 05/15/2025, Bounce AI, Inc purchased all rights, title and interest to this debt from REMOVED Our review indicates that validation was sent to the phone number REMOVEDon 05/16/2025 and to the address REMOVED on 05/17/2025. Please find the name and address of the original creditor below:REMOVED
  REMOVED
  REMOVED We have reviewed the records for your account and can confirm the following details: Obligor Social Security Number: REMOVEDObligor date of birth* REMOVED  Date of last payment: 05/02/2024 Amount of last payment: $201.00 Date of charge off: 01/31/2025 Balance at charge off: $21,072.75 Total interest since charge off: + $0.00 Total fees since charge off: + $0.00 Total credits/payments since charge off: - $0.00 Current balance: $21,072.75 For your convenience, we have attached your account documents. If, after reviewing these documents, you believe that this account was opened and/or used fraudulently, you will need to complete the FTC Identity Theft process (www.identitytheft.gov) and provide us with a copy of the submitted report. In addition, you will need to file a report with your local Police Department and send us a copy of the Police Report. These documents may be emailed to REMOVED. Please note that both documents should name the original creditor and relevant dates. Thank you for taking the time to raise this complaint with Bounce AI, Inc. If you wish to discuss your complaint further, please give us a call at REMOVED between the hours of 8:30am-8:00pm EST Monday-Thursday and 8:30am-5:00pm EST Friday, or via email atREMOVED Sincerely, Compliance Department

• Initial Complaint

  Date:11/25/2025

  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.

  FCRA Violation Notice – Formal Legal Demand for Immediate Deletion
  This correspondence constitutes a formal notice of violation under the Fair Credit Reporting Act (FCRA). Pursuant to 15 U.S.C. § 1681e(b), every consumer reporting agency and furnisher of information is legally obligated to maintain the maximum possible accuracy of all data reported. The accounts identified in my dispute contain inaccurate, misleading, and unverifiable information, representing a willful and reckless breach of federal compliance standards. Such conduct directly violates 15 U.S.C. §§ 1681n and 1681o, rendering your organization civilly liable for actual, statutory, and punitive damages, as well as attorney’s fees and costs.

  

  Business Response

  Date: 12/09/2025

  Response to Complaint Dear REMOVEDWe appreciate you reaching out to us via the Better Business Bureau regarding your concerns about our collection attempts. I’d like to preface our response by stating that it is our sincere desire to positively engage with complainants to address their concerns in a fair and practical way. We treat all allegations of misconduct with the utmost importance and all such matters are  thoroughly investigated. In your complaint, you state that we failed to provide proper validation and additionally assert that this debt resulted from identity theft. The underlying account, which is the subject of this dispute, was established pursuant to a Installment Loan, account number REMOVED, opened with REMOVEDon or around01/18/2023. Review of your account shows that validation was sent to you via email to REMOVEDon 03/17/2025. Several attempts were made by phone call, emailand sms to reach out before reporting to the credit bureaus. For your records, please find the name and address of the original creditor below: REMOVED
  REMOVED  We have reviewed the records for your account and can confirm the following details: Obligor Social Security Number: REMOVED Open date: 01/18/2023 Date of last payment: 03/16/2023 Amount of last payment: $400.00 Charge off date: 02/26/2025 Charge off amount: $3,098.77 Current balance: $3,098.77 To further substantiate this debt, please find copies of your original account documents attached for your review. If you believe that this account was opened and/or used fraudulently, you will need to complete the FTC Identity Theft process (www.identitytheft.gov) and send us a copy of the submitted report and file a report with your local Police Department and provide us a copy of the Police Report. These reports should include the name of the original creditor. These documents can be emailed to REMOVED. Thank you for taking the time to raise this complaint with Bounce AI, Inc. If you wish to discussyour complaint further, please give us a call at REMOVED between the hours of8:30am-8:00pm EST Monday-Thursday and 8:30am-5:00pm EST Friday, or via email atREMOVED Sincerely,Compliance Department

• Initial Complaint

  Date:11/14/2025

  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.

  REMOVEDand Bounce Al needs to be removed from my credit file immediately I've contacted this creditor to just get the run around. I've filed a police report November 12, 2023 with report number REMOVED. Delete from credit file or further action will take place.

  

  Business Response

  Date: 12/01/2025

  Dear REMOVED, We appreciate you reaching out to us via the Better Business Bureau regarding your concerns about our collection attempts. I’d like to preface our response by stating that it is our sincere desire to positively engage with complainants to address their concerns in a fair and practical way. We treat all allegations of misconduct with the utmost importance and all such matters are thoroughly investigated. In your complaint, you are disputing the debt due to your claim of identity theft. Please note that Bounce AI, Inc is a collection agency that was retained by REMOVEDtorecover this debt from a REMOVEDthat was issued on 08/22/2023 Your account remained active with REMOVEDuntil it first went delinquent on 11/30/2023 and was then charged off on 08/12/2024 due to non-payment with a balance of $3,034.22. For your records, please find the name and address of the original creditor below: REMOVED
  REMOVED
  REMOVEDWe have reviewed the records for your account and can confirm the following details: Obligor Social Security Number: REMOVEDObligor birth date: REMOVED Account open date: 08/22/2023 Last payment date: 09/30/2023 Last payment amount: $74.00 Charge off date: 08/12/2024 Charge off amount: $3,034.22 Current balance: $3,034.22 To further substantiate this debt, we have attached copies of your original account documents and evidence of charges for your review. If you believe that this account was opened and/or used fraudulently, you will need to complete the FTC Identity Theft process (REMOVED) and send us a copy of the submitted report. Please ensure that this document specifically addresses the issue with the original creditor. Thank you for taking the time to raise this complaint with Bounce AI, Inc. If you wish to discuss your complaint further, please give us a call at REMOVEDbetween the hours of 9am - 5pm ET Mon-Fri, or via email at REMOVED. Sincerely, Compliance Department

  Customer Answer

  Date: 12/01/2025

  I have reviewed the response made by the business in reference to complaint ID REMOVED, and have determined that this does not resolve my complaint, and the reason why is: Nowhere does that give REMOVEDconsent to sell my information to a third party collection agency and I want the chain of custody, validation not verification, if you own the debt if so how much you paid for it from REMOVED. I also didn't receive items and also asked for a return label for the two tires I did receive that was no longer wanted after I didn't receive the entire order which has been made known from day one. What has been attached to this complaint doesn't answer the original questions of Validation Request not verification.  
  
  Regards, 
  
  REMOVED

• Initial Complaint

  Date:11/07/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The debt was reported as charged-off twice under different names.

  

  Business Response

  Date: 11/13/2025

  Dear REMOVED, We appreciate you reaching out to us via the Better Business Bureau regarding your concerns about our collection attempts. I’d like to preface our response by stating that it is our sincere desire to positively engage with complainants to address their concerns in a fair and practical way. We treat all allegations of misconduct with the utmost importance and all such matters are thoroughly investigated. In your complaint, you are requesting the reporting done by Bounce AI, Inc be deleted due to duplicate reporting. For clarification, please note that the underlying account, which is the subject of this complaint,was established pursuant to a Personal Loan with REMOVED. that was issued on 07/26/2024. Your account remained active with REMOVED. until it first went delinquent on 11/08/2024 and was then charged off on 05/31/2025 with a balance of $2,126.33. On 6/30/2025, Bounce AI, Inc purchased all rights, title and interest to this debt fromREMOVED For your records, please find the find the name and address of the original creditor below: REMOVED
  REMOVED
  REMOVED We have reviewed the records for your account and can confirm the following details:Obligor Social Security Number: REMOVED Obligor date of birth: 0REMOVED Open date: 07/26/2024 Balance at charge off: $2,126.33 Date of charge off: 05/31/2025 Total interest since charge off: + $0.00 Total fees since charge off: + $0.00 Total credits/payments since charge off: - $40.00 Last payment made: 06/06/2025 Last payment amount: $40.00 Current balance: $2,086.33 You have stated that you believe this debt is being reported twice by Bounce AI, Inc. under different names. At this time, we are unable to verify your claim as accurate. If you believe otherwise, please provide supporting documentation so that we may further investigate the matter. Attached is your account documents. Thank you for taking the time to raise this complaint with Bounce AI, Inc. If you wish to discuss your complaint further, please give us a call at REMOVEDbetween the hours of 8:30am-8:00pm EST Monday-Thursday and 8:30am-5:00pm EST Friday, or via email atREMOVED. Sincerely, Compliance Department

  Customer Answer

  Date: 11/14/2025

  I have reviewed the response made by the business in reference to complaint ID REMOVED, and have determined that this does not resolve my complaint, and the reason why is:   Your handling of this matter has not followed standard dispute protocols. Immediate escalation and resolution are required. 
  Regards, 
  
  REMOVED

• Initial Complaint

  Date:10/31/2025

  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've been getting daily text messages from bounce ai for someone named REMOVEDwho had my phone number before me, I am not REMOVED, I've had this phone number for several years yet they keep texting me, which I do believe is unlawful, they should check phone numbers regularly to make sure they're not spamming the wrong person!! But what do you expect from a startup business in Israel!? Please stop bomb-arding me with spam!!!!

  

  Business Response

  Date: 11/10/2025

  Response to Complaint Dear REMOVED, We appreciate you reaching out to us via the Better Business Bureau regarding your concerns.  I'd like to preface our response by stating that it is our sincere desire to positively engage with complainants to address their concerns in a fair and practical way.  We treat all allegations of misconduct with the utmost importance and all such matters are thoroughly investigated.  The phone number REMOVED has been updated in our system as an incorrect number.  You will not receive any further correspondence from Bounce AI, Inc. at this number. Thank you for taking the time to raise this complaint with Bounce AI, Inc. Sincerely, Compliance Department

  Customer Answer

  Date: 11/10/2025

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

• Initial Complaint

  Date:10/29/2025

  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.

  Bounce AI a debt buyer bought a fraudulent dead from some three or four companies passing the debt from one to another and finally to bounce AI the fourth company in line who bought this debt I do not have any contract with any of the other companies and with bounce AI to pay this fraudulent loan
  
  I'm asking boune ai to provide me a copy of the contract signed by me with them that I owe bounce AI money

  Customer Answer

  Date: 11/04/2025

  ALL I NEED IS A SIGNED AGREEMENT BETWEEN ME REMOVEDAND BOUNCY EYE THAT I OWE THEM MONEY AND IS SIGNED AGREEMENT BETWEEN ME AND REMOVEDTHAT I HAVE ALONE WITH THEM THE SIGNED AGREEMENT BOUNCED AI IS SENDING ME OF REMOVEDAND ME IS TYPED SIGNATURE NOT A DOCUMENT OR DOCUSIGN SIGNATURE

  

  Business Response

  Date: 11/19/2025

  Response to ComplaintDear REMOVED, We appreciate you reaching out to us via the Better Buisness Bureau regarding your concerns about our collection attempts. I’d like to preface our response by stating that it is our sincere desire to positively engage with complainants to address their concerns in a fair and practical way. We treat all allegations of misconduct with the utmost importance and all such matters are thoroughly investigated. In your complaint, you assert that this debt resulted from fraudulent activity and that we have failed to provide proper validation. For clarification, please note that the underlying account, which is the subject of this complaint, was established pursuant to a Personal Loan with REMOVED
  REMOVED that was issued on 11/29/2021. Your account remained active with REMOVED  until it first went delinquent on 07/08/2022 and was then charged off on 04/27/2023 with a balance of $4,592.90. On 11/25/2024, Bounce AI, Inc purchased all rights, title and interest to this debt from REMOVED. Please find the name and address of the original creditor below: REMOVED
  REMOVED
  REMOVED We have reviewed the records for your account and can confirm the following details: Obligor Social Security Number: REMOVED Obligor date of birth: REMOVED Date of charge off: 04/27/2023 Balance at charge off: $4,592.90 Last payment made date: 01/19/2022 Last payment made amount: $2,390.00 Total interest since charge off: + $0.00 Total fees since charge off: + $0.00 Total credits/payments since charge off: - $43.68 Current balance: $4,549.22 We acknowledge receipt of your identity theft claim and the FTC report you provided. Please note that we have previously advised you on multiple occasions that, in order to continue the investigation, we require a police report. To date, this document has not been received. In addition, if you have any other materials that may support your claim, please send them to REMOVED As requested, please find attached your transaction history along with the original accountdocuments. Additionally, validation was provided to you on November 29, 2024, at the email addressREMOVED, which is the same email listed in your complaint. The validation noticestated the following: “You had a Personal Loan from REMOVED, with account number REMOVED, which was sold on 11/25/2024, to Bounce AI, Inc., the sole owner of this debt.” Thank you for taking the time to raise this complaint with Bounce AI, Inc. If you wish to discuss your complaint further, please give us a call at REMOVED between the hours of 8:30am-8:00pm EST Monday-Thursday and 8:30am-5:00pm EST Friday, or via email atREMOVED Sincerely, Compliance Department

  Customer Answer

  Date: 11/24/2025

  I have reviewed the response made by the business in reference to complaint ID REMOVED, and have determined that this does not resolve my complaint, and the reason why is:   I HAVE AGAIN AND AGAIN ASKED THE COLLECTION AGENCY THAT THEY HAVE BOUGHT THIS DEBT THEY NEED TO VALIDATE THE DEBT THAT I OWE THEM THIS MONEY I WANT THREE PIECES OF INFORMATION  WHAT IS THE AMOUNT THAT THEY BOUGHT THIS DEBT FOR  SEND ME A COPY OF AN AGREEMENT BETWEEN ME AND BOUNCE AI THAT I AM OBLIGATED TO PAY THIS MONEY VALIDATING THE DEBT 
   
  Regards, 
  
  REMOVED

• Initial Complaint

  Date:10/24/2025

  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.

  Bounce AI is attempting to collect a debt from me that belongs to another individual named REMOVED. The personal information in their CFPB response, including Social Security number, date of birth, and address, are not mine. This confirms they are pursuing the wrong consumer and have mishandled or misused personal identity data. I am requesting the immediate deletion of any record or tradeline associated with my name, confirmation that all collection efforts are terminated, and that they stop contacting me by any method other than postal mail.
  Their response to my CFPB complaint was dismissive and inaccurate. They are reporting a tradeline to credit bureaus tied to someone else’s identity, which has damaged my credit. I have already filed a complaint with the California Attorney General and am preparing legal action.
  I am requesting that Bounce AI immediately cease all collection activity, delete any credit reporting associated with this account, and confirm in writing that my personal information has been removed from their system. Their conduct violates federal consumer protection laws and has caused significant distress.

  

  Business Response

  Date: 11/10/2025

  Response to Complaint Dear REMOVED,We appreciate you reaching out to us via the Better Buisness Bureau and the opportunity to address your concerns. Please disregard the information included in the initial response to your CFPB complaint as this was submitted in error. Please be advised we will be submitting an updated response to your CFPB complaint. The following information is being provided in response to your BBB complaint regarding your above mentioned account. Bounce AI, Inc is a collection agency that was retained by REMOVEDadministered by REMOVEDto recover this debt. The underlying account, which is the subject of thiscomplaint, was established pursuant to a REMOVED, account number REMOVED, opened with REMOVEDadministered by REMOVEDon or around 01/05/2022. Please note that Bounce AI, Inc. has not submitted this or any other account to be listed on your credit report. Additionally, your account currently reflects a ‘cease and desist’ status in our system. As such, Bounce AI, Inc. will no longer be contacting you regarding this account. This communication is in response to your complaint and is not an attempt to collect a debt For your records, please find the name and address of the original creditor below: REMOVEDadministered by REMOVED REMOVEDWe have reviewed the records for your account and can confirm the following details: Obligor Social Security Number: REMOVED Open date: 01/05/2022 First delinquency date: 08/07/2022 Charge off date: 08/31/2023 Charge off amount: $1,305.86 Provider Name: REMOVED Current balance: $1,305.86 Last payment made: 03/13/2023 Last payment amount: $124.02 Interest applied since charge off: $0.00 Fees applied since charge off: $0.00 Total credits/payments since charge off: $0.00 Review of our records shows validation was sent to the email addressREMOVEDon 09/30/2025 and to the mailing address REMOVED
  REMOVEDon 10/02/2025. Both of these points of contact have been listed in your complaints as the preferred contact points. Please find copies of your original account documents attached for your review. If, after reviewing the provided documents, you believe that this account was opened and/or used fraudulently, you will need to complete the FTC Identity Theft process (REMOVED) and send us a copy of the submitted report. You will also need to file a report with your local Police Department and provide us a copy of the Police Report. Please be aware that both of these documents should include the original creditor, in this claim would be REMOVEDadministered by REMOVEDThese documents can be emailed to REMOVEDThank you for taking the time to raise this complaint with Bounce AI, Inc. If you wish to discuss your complaint further, please give us a call at REMOVEDbetween the hours of 8:30am-8:00pm EST Monday-Thursday and 8:30am-5:00pm EST Friday, or via email at REMOVED Sincerely,Compliance Department

  Customer Answer

  Date: 11/10/2025

  I have reviewed the response made by the business in reference to complaint ID REMOVED, and have determined that this does not resolve my complaint, and the reason why is:  I have reviewed the response made by the business in reference to complaint ID 24061029, and have determined that this does not resolve my complaint, and the reason why is: Bounce AI failed to provide legally sufficient validation of the alleged debt. Their response included only a generic balance summary and templated contract, and did not include a signed credit application, chain of title, bill of sale, or itemized reconciliation of the $1,305.86 balance. Additionally, the IP address used to execute the contract geolocates to Norwell, Massachusetts not Beverly Hills, California raising serious concerns about identity misattribution and unauthorized account creation. Bounce AI also violated FDCPA § 1692c(a) by continuing to contact me via text and email after I issued a formal cease-and-desist on October 1, 2025. They contacted me again on October 8, 11, and 14, which constitutes unlawful communication. Their claim that they did not receive the letter is irrelevant under federal law.Finally, Bounce AI falsely asserted that the matter was resolved. It is not. No resolution has occurred, no legal substantiation has been provided, and their response misrepresents the status of this complaint. I am requesting that this case remain open and that the business be held accountable for its continued violations. 
  
  Regards, 
  
  REMOVED

• Initial Complaint

  Date:10/24/2025

  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.

  BOUNCE AI – REMOVED– 03/01/2024 – $5,003.00
  
  I am filing this complaint regarding the inaccurate and damaging reporting of a collection account by BOUNCE AI, listed under account number REMOVEDfor $5,003.00. This entry has been appearing across my credit reports despite repeated disputes and without any verifiable proof or original documentation to justify its validity. I have made every effort to resolve this matter directly and through the credit bureaus, yet both BOUNCE AI and the reporting agencies have continued to circulate the same unverified data, ignoring their legal responsibilities under the Fair Credit Reporting Act (FCRA).
  
  Under 15 U.S.C. § 1681s-2(b), BOUNCE AI—as the furnisher of this information—is legally obligated to conduct a proper, good-faith investigation into any disputed data and verify it with actual documentation, not automated or recycled responses. Additionally, 15 U.S.C. § 1681i requires the credit bureaus to ensure a complete and independent reinvestigation of disputed accounts. Both of these protections exist to prevent exactly what has happened here—an unverified, harmful record being reported as fact, with no supporting evidence or due diligence.
  
  The continued presence of this unverifiable collection account has caused significant harm to my credit standing, emotional distress, and ongoing frustration. No original contract, billing record, or debt validation has ever been provided to confirm the legitimacy of this claim.
  
  I am therefore requesting the immediate deletion of this collection account from all credit reporting agencies. If BOUNCE AI cannot produce valid, original documentation proving that this debt is accurate and lawfully collectible, it must cease reporting it under the obligations set forth in federal law. Continuing to report unverifiable information is not only negligent but a clear violation of my consumer rights under the FCRA.

  

  Business Response

  Date: 11/10/2025

  Response to Complaint Dear REMOVED, We appreciate you reaching out to us via the Better Business Bureau regarding your concerns about our collection attempts. I’d like to preface our response by stating that it is our sincere desire to positively engage with complainants to address their concerns in a fair and practical way. We treat all allegations of misconduct with the utmost importance and all such matters are thoroughly investigated. In your complaint, you have requested validation and are disputing the credit reporting associated with this debt, as you believe it to be inaccurate.  For clarification, please note that the underlying account, which is the subject of this complaint, was established pursuant to a Line of Credit with REMOVED
  REMOVED that was issued on 07/09/2021. Your account remained active with REMOVED
  REMOVED. until it first went delinquent on 06/10/2023 and was then charged off on 12/11/2023 due to non-payment with a balance of $5,003.36. On 03/19/2024, Bounce AI, Inc purchased all rights, title and interest to this debt from REMOVED 
  REMOVED. The name and address of the original creditor below: REMOVED
  REMOVED
  REMOVED  We have reviewed the records for your account and can confirm the following details:Obligor Social Security Number: REMOVED Obligor date of birth: REMOVED Date of last payment: 05/10/2023 Amount of last payment: $140.48 Date of charge off: 12/11/2023 Balance at charge off: $5,003.36 Total interest since charge off: + $0.00 Total fees since charge off: + $0.00 Total credits/payments since charge off: - $0.00 Current balance: $5,003.36 Validation was sent via mail on 03/20/2024 and via text message on 03/21/2024.  We have attached a copy of the Line of Credit Agreement which you electronically signed on 07/09/2021 at 04:15:08 PM PDT. Per the terms of your Agreement, listed on page 19, it was permissible for your debt to be sold to Bounce AI, Inc without your consent or authorization. When your debt was sold to us, Bounce AI, Inc became the current creditor and has the right to report the account to the credit bureaus. Bounce AI, Inc. is appropriately licensed and registered  in all jurisdictions in which we operate, feel free to contact your state regulators to research and confirm. Thank you for taking the time to raise this complaint with Bounce AI, Inc. If you wish to discuss your complaint further, please give us a call at REMOVED between the hours of 8:30am-8:00pm EST Monday-Thursday and 8:30am-5:00pm EST Friday, or via email at REMOVED Sincerely, Compliance Department

• Initial Complaint

  Date:10/21/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  DEAR BOUNCE AI:
  
  I am filing this complaint against Bounce AI Inc. regarding an alleged debt that has been reported to credit bureaus under my name. I am formally disputing the accuracy, validity, and completeness of this account. I have no verified relationship with Bounce AI Inc. or any original creditor they claim to represent, and I was never provided proper notice of this alleged debt.
  
  Pursuant to my rights under the Fair Debt Collection Practices Act (FDCPA, 15 U.S.C. §1692g(b)) and the Fair Credit Reporting Act (FCRA, 15 U.S.C. §1681 et seq.), I demand full validation of this account, including:
  
  Original credit agreement or contract allegedly signed by me
  
  Full itemized statement showing how the balance was calculated
  
  Forward flow or assignment agreements proving legal ownership
  
  Complete payment history
  
  Validation notice and any default or collection notices issued
  
  Proof that the debt is within the statute of limitations
  
  Documentation authorizing credit reporting and any prior dispute investigations
  
  To date, Bounce AI Inc. has not provided any of these materials. I have only received automated or generic responses, which do not meet the legal standards for validation. Therefore, this account remains unverified and unenforceable.
  
  Continuing to collect or report this unvalidated account violates FCRA §§1681e(b), 1681s-2(b) and FDCPA §1692g(b). Court rulings such as REMOVED and REMOVED confirm that unverifiable or misleading data cannot remain on a consumer’s credit file.
  
  Immediate deletion of this tradeline from REMOVED, REMOVED, and REMOVED.
  
  Written confirmation that the account has been permanently closed and withdrawn.
  
  Cease and desist all collection, reporting, and communication related to this account, except to confirm deletion or closure.
  
  Failure to comply will result in complaints filed with the CFPB, FTC, and State Attorney General, and pursuit of all remedies available under law.

  

  Business Response

  Date: 10/31/2025

  Response to Complaint: Dear REMOVED, We appreciate you reaching out to us via the Better Business Bureau regarding your concerns about our collection attempts.  I'd like to preface our response by stating that it is our sincere desire to positively engage with complainants to address their concerns in a fair and practical way.  We treat all allegations of misconduct with the utmost importance and all such matters are thoroughly investigated.   In your complaint, you are disputing the validity, requesting validation and requesting a cease and desist. For clarification, please note that the underlying account, which is the subject of this complaint, was established pursuant to a Personal Loan with REMOVEDthat was issued on 04/25/2022.  Your account remained active with REMOVEDuntil it first went delinquent on 02/24/2025 and then was charged off on 05/25/2025 due to non-payment with a balance of $2,424.35.  On 06/24/2025, Bounce AI, Inc purchased all the rights, title and interest to this debt from REMOVED. Please find the name and address of the original creditor below: REMOVEDWe have reviewed the records for your account and can confirm the following details:Obligor Social Security Number: REMOVED Obligor date of birth: REMOVED Balance at charge off: $2,424.35 Date of charge off: 05/25/2025 Total interest since charge off: + $0.00 Total fees since charge off: + $0.00 Total credits/payments since charge off: - $0.00 Last payment made: 01/25/2025 Last payment amount: $102.85 Current balance: $2,424.35 Please find the copies of your original account documents attached for your review.  If, after reviewing the provided documents, you believe that this account was opened and/or used fraudulently, you will need to complete the FTC Identity Theft process (REMOVED) and send us a copy of the submitted report.  You will also need to file a report with your local police department and provide us a copy of the police report.  Please be aware that both of these documents should include the original creditor, in this claim would be REMOVED.  These documents can be emailed to REMOVED We understand that your account is currently subject to a 'cease and desist' request.  For the avoidance of doubt, this communication is in response to your complaint and is not an attempt to collect a debt.   A review of your account shows that validation was sent to the email address REMOVEDon 06/25/2025 and to the phone number REMOVEDon 06/26/2025, both of which is listed in your BBB complaint as your preferred points of contact. Thank you for taking the time  to raise this complaint with Bounce AI, Inc. If you wish to discuss your complaint further, please give us a call at REMOVED between the hours of  8:30am-8:00pm EST Monday-Thursday and 8:30am-5:00pm EST Friday, or via email at REMOVED Sincerely, Compliance Department

• Initial Complaint

  Date:10/10/2025

  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.

  This account lists payment activity that never occurred.

  

  Business Response

  Date: 10/20/2025

  We appreciate you reaching out to us via the Better Business Bureau regarding your concerns about our collection attempts. I’d like to preface our response by stating that it is our sincere desire to positively engage with complainants to address their concerns in a fair and practical way. We treat all allegations of misconduct with the utmost importance and all such matters are thoroughly investigated. In the following complaint, it is claimed that we have failed to provide validation. For clarification, please note that the underlying account, which is the subject of this complaint, was established pursuant to a Personal Loan with REMOVED, Originated By REMOVED
  REMOVED that was issued on 12/07/2020. The account remained active with REMOVEDuntil it first went delinquent on 12/15/2022 and was then charged off on 05/15/2023 with a balance of $22,490.94. On 11/25/2024, Bounce AI, Inc purchased all rights, title and interest to this debtfrom REMOVED. Please find the name and address of the original creditor below: REMOVED
  REMOVED REMOVED We have reviewed the records for your account and can confirm the following details: Obligor Social Security Number: REMOVEDObligor date of birth: REMOVED Date of charge off: 05/15/2023 Balance at charge off: $22,490.94 Last payment made date: 12/19/2022 Last payment made amount: $1,454.62 Total interest since charge off: + $0.00 Total fees since charge off: + $0.00 Total credits/payments since charge off: - $0.00 Current balance: $22,102.23 Please also note that validation was sent on 11/28/2024, to the address obtained from the original client. We have updated all contact information according to the details you provided. We have attached the account documents. If, after reviewing these documents, it is believed that this account was opened and/or used fraudulently, you will need to complete the FTC Identity Theft process (REMOVEDand provide us with a copy of the submitted report. In addition, you will need to file a report with your local Police Department and send us a copy of the Police Report. These documents may be emailed to REMOVED Thank you for taking the time to raise this complaint with Bounce AI, Inc. If you wish to discuss the complaint further, please give us a call at REMOVED between the hours of 8:30am-8:00pm EST Monday-Thursday and 8:30am-5:00pm EST Friday or via email atREMOVED. Sincerely, Compliance Department