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:03/19/2024

  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.

  Im not liable with this debt with Debt Recovery Services. I do not have a contract with the collection agency Debt Recovery Services trying to collect and report this to my credit report; they did not provide me with the correct contract as recommended.

  Business Response

  Date: 03/20/2024

  Hello,

   

  We are in receipt of this recent complaint. After further review, you do not have a contract with our office,however, you did have a contract with ****** **** ********* ***, who works directly with our client ******** ***************** ******** Capital Partners hired ********** to work this account on their behalf, therefore, our office is handling this outstanding matter in your name.
  
  Please contact our office at ************ to discuss this account further. Your account number is ********.
  
  Thank you,
  
  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:03/18/2024

  Type:Order 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 Snap finance. I do not have a contract with Debt Recovery Solutions. They did not provide me with the original contract as i requested.

  Customer Answer

  Date: 03/18/2024

  l am not liable for this debt with Snap finance. I do not have a contract with Debt Recovery Solutions. They did not provide me with the original contract as i requested. Email that was sent to DRS/DBT attatched 

  Business Response

  Date: 03/19/2024

  Hello,

   

  We are in receipt of this recent complaint. After further review, you do not have a contract with our office,however, you did have a contract with SNAP FINANCE, who works directly with our client *******************. ******************* hired ********** to work this account on their behalf, therefore, our office is handling this outstanding matter in your name.
  
  Please contact our office at ************ to discuss this account further. Your account number is ********.
  
  Thank you,
  
  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:03/07/2024

  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 company reported an erroneous collection on my credit report, dropping my near perfect credit score down 80 points. I literally have zero idea whom this company is, nor do I have any accounts in collection. In fact, I have a perfect payment history with responsible credit usage and all of my accounts are current and in good standing. I truly believe this company is fraudulent, and want them to remove any negative items from my credit report immediately.

  Business Response

  Date: 03/07/2024

  Hello,

   

  We are in receipt of this recent complaint. After further review, you do not have a contract with our office,however, you did have a contract with **************, who works directly with our client *******************. ******************* hired ********** to work this account on their behalf, therefore, our office is handling this outstanding matter in your name.
  
  Please contact our office at ************ to discuss this account further. Your account number is ********.
  
  Thank you,
  
  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:03/04/2024

  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.

  I am writing to address the distressing discovery that you have been sharing my nonpublic information with credit bureaus, resulting in inaccurate reporting on my credit profile. This violates my privacy rights under 15 USC 1681 section 602 and 15 USC 1681 Section 604 A Section 2, which mandates written consent for such actions.Your inaccurate reporting, including incorrectly labeling timely payments as late, has caused significant financial and emotional distress. I demand immediate corrective action and cessation of unauthorized information sharing. I also seek compensation for damages incurred.Please rectify this matter promptly. My account number is ************

  Business Response

  Date: 03/07/2024

  Hello,

   

  We are in receipt of this recent complaint. After further review, we received this matter in our office at the end of December, 2023. Shortly after receiving, our office sent out an initial notice notifying you of this matter before it went to the credit bureaus. Additionally, our office sent a second notice in February attempting to contact you.

   

  Since we did not hear back, our office sent this matter to the credit bureaus.

   

  We encourage you *** contact our office at ************ to discuss further. Your reference number is *********

   

  Thank you,

   

  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:02/29/2024

  Type:Order 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 debt recovery solutions LLC. I do not have a contract with debt recovery solutions LLC. They did not provide me with the original contract bearing my signature as I requested.

  Business Response

  Date: 03/01/2024

  Hello,

   

  We are in receipt of this recent complaint. After further review, you do not have a contract with our office,however, you did have a contract with SNAP FINANCE, who works directly with our client *******************. ******************* hired ********** to work this account on their behalf, therefore, our office is handling this outstanding matter in your name.
  
  Please contact our office at ************ to discuss this account further. Your account number is ********.
  
  Thank you,
  
  Debt Recovery Solutions, LLC

  Customer Answer

  Date: 03/04/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  No one has provided me proof that this debt belongs to me. I can say you owe me but without proof how could that be. I have asked them to provide me the info,  I'm asking BBB to help me get that info or remove it from my report as there is no proof I owe this debt. I have done everything everyone has asked of me. I'm still getting the run around. Did they send proof that I owe this debt? If so can I receive a copy. Here say is not proof. Please help.me resolve this situation.

  Thank you, *****

   

   

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

  
  Sincerely,
  
  *************************
  
  
  
  
   
  

  Business Response

  Date: 03/07/2024

  Hello,

   

  We are in receipt of this response. After further review, it does seem that our office sent out documentation to you on January 5, 2024.

   

  If you did not receive, we will re-issue these to you. Once received, please review and contact our office at ************* to discuss further.

   

  Thank you,

   

  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:02/29/2024

  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.

  The company debt recovery solutions has been attempting to collect a debt that occurred due to a reason of identity theft I filed a complaint with identity theft.gov and with the **** Ive provided all the documents to prove that Im not responsible for this debt, nor was I even able to originate this debt due to my incarceration since 2014 and this debt was occurred in 2018. Im technically not even released yet. Im at a federal Halfway House in ******* ********** and Ive been there since July 3, 2023 and my actual release date is April 10, 2024 coming up. This is the second account that Ive been notified about I had a ******* account opened in my name around 2019 which I was able to prove that I was in and not open this account, which Im attempting to do at the same time with this one. *** tried to provide all the documents to the debt collector and they still are trying to collect the debt with me. They keep sending letters emails and harassing phone calls. The account number on this debt is ********.

  Business Response

  Date: 02/29/2024

  Hello,

   

  We are in receipt of this recent compliant. Kindly provide proof of ID Theft ie a copy of a police report, or proof you resided at a different address than what we have on file from the time of service which was *************************************************************, and our client will review further.

   

  Please send proof to ****************************************.

   

  Thank you,

   

  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:02/27/2024

  Type:Customer Service 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 debit with 12 snap finance. I do not have a contract with DEBT RECOVERY SOLUTIONS they did not provide me with the original contract as I requested.

  Business Response

  Date: 02/29/2024

  Hello,

   

  We are in receipt of this recent complaint. After further review, you do not have a contract with our office,however, you did have a contract with SNAP FINANCE, who works directly with our client *******************. ******************* hired ********** to work this account on their behalf, therefore, our office is handling this outstanding matter in your name.
  
  Please contact our office at ************ to discuss this account further. Your account number is ********.
  
  Thank you,
  
  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:02/20/2024

  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 writing to file a complaint regarding the validation of a debt on my consumer credit report. I've received several calls which I've requested several times to be removed from the call list, ************ calls and requests information about me without even verifying who they are or what they are calling about. Despite multiple attempts to seek proof of validation, your company has failed to provide any evidence regarding a debt that does not belong to me. Furthermore, you have furnished this alleged debt on my consumer report and failed to validate the claim pursuant to Sec. 809(b) of the Fair Debt Collection Practices Act. As a consumer, I have a right to privacy and protection from inaccurate reporting on my credit report. Your company's actions have not only violated my right to privacy but also the permissible purpose of providing accurate information to consumer reporting agencies. According to 609(a)(1)(A), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demand that this item be removed from my credit report immediately as it is furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. Your inaccurate reporting has also damaged my livelihood. According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, furnishers have a duty to provide accurate information. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

  Business Response

  Date: 02/20/2024

  Hello,

   

  We are in receipt of this recent complaint. Kindly provide your DRS reference number so that we can best locate this matter for you. If you don't have this, kindly provide your full name and the last 4 digits of your SSN so we can best locate this matter for you.

   

  Thank you,

   

  Debt Recovery Solutions, LLC

  Customer Answer

  Date: 02/24/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  [Your Answer Here]

  ***************************** **** In response to notices sent to me from your company and more importantly, due to your numerous reporting to the ************* (s), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practice Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.
  
  This is NOT a request for "verification" or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
  
  Please provide me with the following:
  * What the money you say I owe you is for:
  * Explain and show me how you caculated what you say I owe:
  * Provide me with copies of papers that show I agreed to pay what you say I owe:
  * Provide a verification or copy of any judgement if applicable:
  * Identify the original creditor:
  * Provide the Statues of Limitations has not expired on this account:
  * Show me that you are licensed  to collect in my state:
  * Provide me with your license numbers and Registered Agent or Agent of Service:
  
  At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major *************'s (Experian, Equifax, or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative **** is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following:
  
  * Violation of the Fair Credit Report Act
  * Violation of the ********* Collection Practices Act
  * Defamation of Character
  If your offices can provide proper documenation as requested in the following Declaration, I will require at least 30days to investigate this information and during such time all collection activity must cease and desist.
  
  Also, during this validation period, if any action taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that be inaccurate or invalidated or verifying an account as accurate, when in fact there is no proof that it is accurate.
  
  If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion (to any/all of the 3 major Credit Reporting Bureaus: Equifax, Experian, and TransUnion) request shall be sent to me immediately.
  
  I would also like to request that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be sent to my email: **************************
  
  It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.

   

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

  
  Sincerely,
  
  *****************************
  
  
  
  
   
  

  Business Response

  Date: 02/28/2024

  Hello,

   

  We are in receipt of this recent response. We will request supporting documentation for both matters in our office. Once received, we will send directly to you.

   

  Thank you,

   

  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:02/14/2024

  Type:Order 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'm not liable for this debt with Cashnetusa, I do not have a contract with DRS and they did not provide the original contract as requested.

  Business Response

  Date: 02/15/2024

  Hello,

   

  We are in receipt of this recent complaint. Kindly provide your DRS reference number. If you do not have one, please provide your full name and the last 4 digits of your SSN so we can best locate this for you.

   

  Thank you,

   

  Debt Recovery Solutions, LLC

• Initial Complaint

  Date:02/12/2024

  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.

  Debt recovery keep reporting medical bill from ************ room from 2017 ( 7 years old) but in the credit report they list the age of the account as being 6 months. It's a medical bill they are listing it as other on my credit report to keep the debt from being removed under the medical bill act.

  Business Response

  Date: 02/12/2024

  Hello,

   

  We are in receipt of this recent complaint. Kindly provide your DRS reference number so that we can best locate this matter for you. If you do not have one, kindly provide your full name and the last 4 digits of your SSN.

   

  Thank you,

  
  Debt Recovery Solutions, LLC